Official Contest Rules

No Purchase Necessary to Enter or Win

We are giving away cash prizes for using your Flatwater Bank debit card! Entering is easy! Every time you use your debit card for a qualifying purchase between November 15 and December 31, 2023 you’ll be entered to win. See below for a complete set of rules.

How to make a debit purchase with your Flatwater Bank debit card:

  • When making an in-person retail purchase, swipe or insert your debit card into the merchant’s debit card reader and be sure to select credit or debit, and either sign or enter your debit card pin if prompted.
  • When making an in-person mobile wallet/digital wallet purchase, hold your smart device over the merchant’s near-field technology-enabled card reader to provide your payment information. Be sure your Flatwater Bank debit card is top of wallet in your device’s app to receive credit for that purchase being an entry into the contest.
  • Pay with your Flatwater Bank debit card when making online purchases and making monthly payments such as Netflix, electric bills, etc.
  • Link your Flatwater Bank debit card to your shopping and drive-thru apps such as Amazon, Walmart, McDonald’s and Wendy’s

Official Rules:

Five randomly selected $100 - $250 winners will be drawn weekly during the promo period. Two $500 grand prize winners will be randomly selected at end of the promotion.

Timing/Description of Prize Drawings: The sweepstakes begins at 12:01 am CST on November 15, 2023 through 11:59 pm CST on December 31, 2023 (Promotion period).

Weekly Drawing Dates:

Date / Prize

Eligible Transaction Dates

December 8, 2023 - $100 

12:01 am 11/15/23 – 11:59 pm 12/7/23

December 15, 2023 - $100

12:01 am 11/15/23 – 11:59 pm 12/14/23

December 22, 2023 - $250

12:01 am 11/15/23 – 11:59 pm 12/21/23

December 29, 2023 - $250

12:01 am 11/15/23 – 11:59 pm 12/28/23

Grand Prize

January 5, 2024 - (2) - $500

12:01 am 11/15/23 – 11:59 pm 12/31/23

There are several ways to enter:
Use your Flatwater Bank debit card during the promotional period for purchases and payments. Every debit card purchase or payment transaction is an automatic entry. Online purchases with a Flatwater Bank debit card are also automatic entries.

1. Use your Flatwater Bank debit card during the promotional period for purchases and payments. Every debit card purchase or payment transaction is an automatic entry. Online purchases with a Flatwater Bank debit card are also automatic entries.

2. All New debit cards issued during the sweepstakes promotion will get 10 entries at the time of activation.

3. Enter by U.S. Mail without making a purchase: Hand-print your name, address, city, state, zip code, and daytime and evening phone (including area code) on a 3.5” card, and mail with postage affixed to:

Flatwater Bank Spend to Win
P.O. Box 81
Gothenburg, NE 69138

Entries must be received by the end of the qualifying period to be considered for that drawing. Each eligible letter will qualify as one (1) entry. Entries that are mechanically reproduced, copied, illegible, incomplete, postage-due, or inaccurate are void. Entries become the property of the Sponsor and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification. Proof of mailing does not constitute proof of delivery.

Winner Selection:

Flatwater Bank will randomly select all prize winners from all entries received leading up to the drawing date (see above dates). Winners will be notified by phone or email and also posted on social media. Deposits into the winner’s account will be made within 10 days of drawing. Odds of winning will depend on the number of eligible entries received.

Prize will be awarded to the checking account associated with the Flatwater Bank debit card. Flatwater Bank will issue a 1099INT to all winners.

By accepting a prize, winner consents to using his/her name, photograph or likeness for advertising and promotional services without compensation. The name (and photograph, as applicable) of the prize winner may be posted in branch locations and included in other informational resources and advertisements such as the banks website, digital signage, social media, etc.

Terms and Eligibility Rules:
1. Both personal banking debit card transactions and business banking debit card transactions are eligible.

2. Payments under dispute are not eligible to win.

3. Payments from accounts that are no longer open or no longer in good standing at time of winner selection are not eligible to win.

4. Each Flatwater Bank debit card transaction will qualify as a separate and unique entry.

5. ATM transactions and account transfer activity do not qualify as entries.

6. If we are unable to contact any winner within a reasonable timeframe, the original winner will forfeit all winnings, and we will select a new winner.

7. Must be a legal resident of the fifty (50) United States AND THE District of Columbia, who is 19 years of age or older as of November 15, 2023. Void where prohibited or restricted by law. Flatwater Bank employees, spouses and directors and officers and their immediate families (spouse, parents, children, siblings, and their respective spouses) are not eligible, regardless of where they reside. Odds of winning depend on number of entries received.

8. Each drawings eligible entries will be taken from Flatwater Bank debit card transactions that post and settle based on the schedule above.

9. Flatwater Bank reserves the right to cancel, modify or suspend the contest at any time.

10. Flatwater Bank is not responsible and cannot be held liable for any technical problems that prevent the contest from running as intended.

11. Entrants agree to release and hold Flatwater Bank harmless against any claim associated with the contest.