MIDFLORIDA Credit Union $10k A Day Giveaway Rules

Official Rules

MIDFLORIDA Credit Union will give away $10,000 each day during the promotional period of April 1, 2026 – April 20, 2026 to promote MIDFLORIDA’s consumer or business Mastercard debit card. One winner will be selected each day for 20 days to win a $10,000 prize. Total of all prizes combined is $200,000.

1. NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.
2. EACH ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING. MAKING A PURCHASE WILL NOT IMPROVE AN INDIVIDUAL ENTRY'S CHANCES OF WINNING.
3. Odds of winning.  Odds of winning are based upon the number of entries. Based upon an estimate of 5,855,380 entries during the promotion, odds of winning a prize are 20 in 5,855,380. Odds of winning are increased when you make multiple transactions of $5 or more throughout any day of the promotion.
4. Sponsor.  MIDFLORIDA Credit Union (the "Credit Union") is the sponsor. The Credit Union's address is 129 S. Kentucky Avenue, Lakeland, FL 33801.  
5. Entry Period:  April 1, 2026 at 12:00:00 a.m. – April 20, 2026 at 11:59:59 p.m. EDT.
6. Eligibility.  To be eligible to win, you must be at least 18 years of age, have a valid Social Security number, and reside within the Sponsor’s service area (https://www.midflorida.com/about-us/service-area/).  This promotion is not open to residents of New York or Rhode Island or anywhere the promotion is prohibited by law. Employees, officers, directors, vendors, vendor employees and representatives of MIDFLORIDA Credit Union and their immediate family (spouse, parents, siblings, children, step-parents, step-siblings, and step-children) and same household members (whether or not related) are not eligible to participate in this promotion. Debit cards associated with accounts held by fiduciaries, representatives, agents and custodians are not eligible. Persons who have caused a loss to the Credit Union or whose accounts are not currently in good standing are not eligible. The publicity in connection with this promotion and the awarding of the prizes are valuable to the Credit Union; therefore, persons who have been convicted of a felony, arrested for or charged with a felony, are the subject of a current felony investigation, or who have a reputation for immorality or dishonesty which would, in the opinion of the Credit Union, adversely affect the reputation or public image of the Credit Union, are not eligible to win. By entering, you consent to criminal, credit, and background checks and consumer reports to determine eligibility. 
7. How to enter.  There are three ways to enter this sweepstakes:
   a. Activate your MIDFLORIDA consumer or business Mastercard debit card during the Entry Period. You will automatically be entered with one entry on the day in which the card was activated when you activate a MIDFLORIDA consumer or business debit card.
   b. Use your MIDFLORIDA consumer or business debit card for purchases or payments of at least $5.00 during the Entry Period. Each purchase or payment transaction of at least $5.00 posted to your account during the Entry Period will be automatically entered with one entry. Transactions which post outside the Entry Period will not be entered, regardless of when the transaction was actually completed; the entry is not based on the date of the purchase or payment transaction. ATM transactions do not qualify. Eligible transactions may be performed at any location within the United States. There is no limit to the number of entries per person using this method.
   c. Submit a paper entry ticket. Entry tickets may be requested by mail by sending a self-addressed stamped envelope to MIDFLORIDA Credit Union, Attn: Marketing Department, 129 S. Kentucky Ave., Suite 201, Lakeland, FL  33801. An entry ticket will be mailed to you for completion. Entry tickets must be mailed back to the Marketing Department and received during the Entry Period. Each mail request will receive one paper entry form. Paper entries must each be submitted by separately mailed envelopes.
   There are twenty separate drawings for each $10,000 prize.  Entries from previous days that are not selected to win are carried forward to the next day:
   

   Drawing	Entries Posted or Received By	Drawing to Be Held
   Drawing One	April 1, 2026	April 2, 2026
   Drawing Two	April 2, 2026	April 3, 2026
   Drawing Three	April 3, 2026	April 6, 2026
   Drawing Four	April 4, 2026	April 6, 2026
   Drawing Five	April 5, 2026	April 6, 2026
   Drawing Six	April 6, 2026	April 7, 2026
   Drawing Seven	April 7, 2026	April 8, 2026
   Drawing Eight	April 8, 2026	April 9, 2026
   Drawing Nine	April 9, 2026	April 10, 2026
   Drawing Ten	April 10, 2026	April 13, 2026
   Drawing Eleven	April 11, 2026	April 13, 2026
   Drawing Twelve	April 12, 2026	April 13, 2026
   Drawing Thirteen	April 13, 2026	April 14, 2026
   Drawing Fourteen	April 14, 2026	April 15, 2026
   Drawing Fifteen	April 15, 2026	April 16, 2026
   Drawing Sixteen	April 16, 2026	April 17, 2026
   Drawing Seventeen	April 17, 2026	April 20, 2026
   Drawing Eighteen	April 18, 2026	April 20, 2026
   Drawing Nineteen	April 19, 2026	April 20, 2026
   Drawing Twenty	April 20, 2026	April 21, 2026

   Sponsor is not responsible for lost, late, illegible, incomplete, invalid, unintelligible, misdirected, technically corrupted, or garbled entries.
8. Determination of Winner.  Winners will be determined by random drawing. Drawings will be conducted electronically at Sponsor’s office, located at 129 S. Kentucky Ave., Lakeland, FL daily from April 2, 2026 - April 21, 2026. For example, entries collected beginning 12:00:00 a.m. on April 1, 2026 through 11:59:59 p.m. on April 1, 2026 will be used for the first drawing held on April 2, 2026at 10:00 a.m. Entries collected beginning 12:00:00 a.m. on April 1, 2026 through 11:59:59 p.m. on April 2, 2026 (except the winning entry) will be used for the second drawing held on April 3, 2026 at 10:00 a.m. Each day thereafter the drawings will be similarly conducted until the final drawing on April 21, 2026. If more than one card exists on an account, the winner will be determined by the card number and name on the card used to perform the winning transaction; if the winning transaction is associated with a card number linked to a business account, the prize will be awarded to the business entity. The Credit Union will send notification to each winner by using contact information currently on file with the Credit Union for the winning cardholder, or information submitted by mail-in entry ticket. Winner must claim the prize within seven (7) calendar days after notification is sent by submitting to the Credit Union a properly completed “MIDFLORIDA Prize Claim and Publicity Release Form” and W-9. If a prize is unclaimed within seven (7) calendar days after notification is sent, the prize will be forfeited and a new winner will be drawn. If the winner does not meet eligibility criteria, or fails to comply with these Official Rules, a substitute winner will be selected from among the remaining entries in accordance with these Official Rules, in Sponsor’s sole discretion. The winner must fully comply with these Official Rules or will be disqualified. The winner’s accounts with the Credit Union (if any) must be in good standing. If the winner’s accounts are not in good standing, the Credit Union may require the accounts to be brought into good standing prior to awarding the prize.  Sponsor reserves the right to determine the identity and eligibility of the winner in its sole discretion in accordance with these rules.
9. You need not be present to win.
10. Prize. The prize is $10,000.00 cash USD. Twenty prizes will be awarded. Prize cannot be substituted, assigned, or transferred by winner. Winner can choose to receive prize via check or deposit into their MIDFLORIDA Credit Union account. Limit one prize per person or business.
11. Publicity. The winner may be announced on the Sponsor’s social media pages and other media. By entering this promotion, you agree that if you are selected as a winner, your first name and city of residence will be published in winner announcements and listed in the Sponsor’s marketing materials, including web page, social media, print ads, and all other media, worldwide in perpetuity without compensation. If you consent to being photographed or provide a photograph, you agree that your likeness, including photographs, may be published in the Sponsor’s marketing materials, including newspaper ads and social media such as Facebook, Twitter and Instagram, without compensation or permission, except where prohibited by law.
12. Taxes. Winnings will be reported to IRS and winners will be responsible for all applicable taxes.
13. Consent. Any personal information collected in connection with the promotion will be used by Sponsor solely for the purpose of administering the promotion and will be subject to Sponsor's privacy policy. By participating in this promotion, participant consents in accordance with the Telephone Consumer Protection Act (47 U.S.C. § 227), to the Sponsor contacting the telephone numbers and email addresses provided by the participant, using natural or artificial voice calls, automatically dialed calls, prerecorded messages, text messages and any other electronic media for informational and marketing purposes. This consent is not required as a condition of purchasing any property, goods or services; this consent may be revoked.
14. Release.  All decisions of the Sponsor in regard to this promotion are final and binding. By entering, participants agree to these Official Rules and release and agree to hold harmless the Sponsor and its directors, officers and employees from all liability (except liability for gross negligence or intentional acts) in connection with the promotion or any prize won. The Credit Union is not responsible for any loss which may occur in connection with the promotion.  Sponsor is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the promotion.
15. Binding Arbitration, Class Action Waiver, Jury Waiver.  If you are a member of the Credit Union, the Credit Union’s terms and conditions of your account and privacy policy apply to this promotion and are incorporated herein by reference, including the provisions related to arbitration and waiver of class action and jury trial.  If you are not a member of the Credit Union or if the Credit Union elects instead to proceed under the terms of this paragraph, then this paragraph will apply. You agree to attempt to informally settle any disputes or causes of action arising out of or connected with this promotion or any prizes awarded. If informal attempts do not succeed, you agree that upon the election of either you or the Credit Union any claim or dispute or cause of action arising out of or connected with this promotion will be resolved by BINDING ARBITRATION administered by JAMS in accordance with its applicable rules and procedures, including Mass Arbitration Procedures and Guidelines, in effect on the date the arbitration claim is filed. As a result, you will GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT for matters within SMALL CLAIMS COURT jurisdiction). You acknowledge that by agreeing to BINDING ARBITRATION you understand and agree to the following terms: 
    o   Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You understand and agree that YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY.
    o   Arbitration proceedings provide you a FAIR HEARING, but the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT.
    o   Arbitration decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT.
    o   ARBITRATORS can award the same REMEDIES including DAMAGES that a COURT can award.
    o   Any ARBITRATION under these Official Rules WILL BE ON AN INDIVIDUAL BASIS. You understand and agree that YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION.
    o   The PLACE OF ARBITRATION shall be in the federal district WHERE YOU RESIDE.
    o   If You initiate a claim for arbitration, you understand that you will be required to pay an initial filing fee in accordance with the rules of the arbitration forum or neutral. However, we will pay any other filing, administration, and arbitrator fees as imposed by the arbitration forum. However, if the arbitrator determines that YOUR CLAIM IS FRIVOLOUS, UNWARRANTED, OR BROUGHT FOR AN IMPROPER PURPOSE (in accordance with the Federal Rules of Civil Procedure Section 11(b)) YOU WILL RETURN TO US ANY FILING, ADMINISTRATION, AND ARBITRATOR FEES WE PAID.
    o    Each party shall bear the fees or expense of their respective attorneys, experts, witnesses, and other expenses, regardless of who prevails, but a party may recover costs and expenses from another party if the arbitrator, applying applicable statutory law or contract terms, so determines.
    FOR MORE DETAILS, check the JAMS website (www.jamsadr.com) or call JAMS at 800-352-5267.
16. Termination or Suspension.  The Credit Union is not liable for any incorrect or inaccurate transcription of entry information or for any error or malfunction of any kind in connection with the promotion. If the promotion is not capable of running as planned for any reason, including tampering, unauthorized intervention, fraud, technical failures, force majeure, frustration of purpose or any other cause, the Credit Union reserves the right, at its sole discretion and without advance notice, to terminate or suspend or extend the promotion, in whole or in part, or modify it in any way, without any further obligation to eligible persons or entrants. No groups, clubs, newsletters, or organizations may reproduce or distribute any portion of these Official Rules to their members, and anyone who participates in the Giveaway through means not permitted by these Official Rules is subject to disqualification.
17. Void Where Prohibited by Law.  This promotion is subject to all applicable federal, state, and local laws and regulations and is void where prohibited by law.
18. Choice of Law. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants and the Credit Union in connection with the promotion, shall be governed by, and construed in accordance with, the substantive laws of the State of Florida, USA, without regard to choice of law rules. Venue of any court action shall be Polk County, Florida.
19. No Affiliation or Endorsement.  This promotion is not endorsed by or affiliated with any other person or entity.