Just got a Summit card and have already been enjoying the benefits.

A few questions:

1) There are lounge passes that appear in the app expiring 12/31/2025. We're not going anywhere before that with an Alaska lounge. Can they be extended to next year, or passed on to someone who could use them? If the latter, how would you do that, given that the lounge passes are digital and not paper?

2) Didn't sign up for a BoA checking/savings account but did receive the 10% extra bonus listed as
BANK OF AMERICA SUMMIT CARD RELATIONSHIP BONUS Credited 400
Does this mean you don't need an actual bank account for the summit card to get the bonus? Or should I apply for one to make sure that the next statement's miles (and those in future) credit with a bonus as well?

3) Referral bonus of 10k/person: This seems to be only for the Ascend card not the Summit card. What bonus miles for being referred by me (and what signup bonus offer in general, meaning how many bonus miles and what spend requirement) does a person who applies via this route get? If it's less than the publicly available bonuses, can you call in and get credited the difference, as a referee?