Androscoggin Bank Official Contest Rules

Summary of Contest

Use your Androscoggin Bank VISA® Debit Card in your digital wallet (Apple Pay, Google Pay, or Samsung Pay) to make three (3) or more Purchase Transactions during the months of October and November 2018 and you will be automatically entered in a drawing to win $1,000.00. Alternatively, you may enter by mail or hand delivery.NO ACCOUNT, OBLIGATION OR PURCHASE IS REQUIRED TO ENTER OR WIN.

Official Contest Rules


Androscoggin Bank is the sponsor of the Contest. For information relating to the Contest, please contact an Androscoggin Bank representative at 30 Lisbon St., Lewiston, ME 04243-1407 or call 1-800-966-9172.


To be eligible, Contest participants must be natural persons, at least 18 years of age and lawful residents of the United States at the time of entry and comply with these Official Contest Rules (each an, “Eligible Participant”). A current, valid US State ID, Driver’s License, US Passport, US Uniformed Services Card, or US Resident Alien/Permanent Resident Card must be presented to claim a prize. Employees, directors and officers of Androscoggin Bank, members of their immediate families (including: spouse, domestic partner, parents, children, and siblings) and members of their households are not eligible to enter or win. Each winner will be required to prove his or her eligibility before receiving a prize.   


The Contest begins at 12:00 am Eastern Standard Time on October 1, 2018 and ends at 11:59 pm Eastern Standard Time on November 30, 2018.

How to Enter

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS CONTEST.There are two methods of entry.An Eligible Participant’s method of entry has no effect on his or her odds of winning.Eligible Participants may enter only once.The odds of winning a prize are dependent on the number of entries received. Methods of entry are:

1. Automatic Entry: Eligible Participants who are Androscoggin Bank VISA Debit cardholders with checking accounts will be automatically entered in the Contest if they make three (3) or more Qualified Purchase Transactions during the contest period.A Qualified Purchase Transaction is a VISA debit transaction made from the Eligible Participant’s checking account at Androscoggin Bank using Apple Pay, Samsung Pay, or Google Pay. A transaction that is disputed, fraudulent, or in violation of any applicable cardholder agreement(s) is not a Qualified Purchase Transaction, and will be disallowed.

2. Mail in or Delivered Entry: Any Eligible Participant may enter the Contest by submitting an entry by mail or hand delivery. Print your name, email address, mailing address, city, state, zip code and phone number on a 4x6 card and mail the card to Androscoggin Bank, c/o Marketing Department, PO Box 1407, Lewiston ME 04243-1407 or deliver it to any Androscoggin Bank branch office.All mailed or delivered entries must be received no later than the last business day of contest period, which is November 30, 2018.


The prize will be $1,000.00 in the form of an Androscoggin Bank check payable to the winner.

Determination of Winner and Prize

During the first week of December, a random drawing will be conducted to select the winning entry. Contest winners are responsible for payment of any local, state, or federal taxes assessed on any prize received.

Notification of Winner

The winner will be notified by telephone, mail, or email after the drawing. In the event that the winner submitted his or her entry by making three (3) or more Qualified Purchase Transactions, he or she will be notified by mail at the address associated with his or her checking account and, if possible, by telephone. In the event that the winner mailed or delivered his or her entry, he or she will be notified by mail at the address listed on his or her mail in entry and, if possible, by telephone. If necessary, a second random drawing will be conducted in the event that (i) the Bank is unable to contact the winner (ii) the winner is unable to establish his or her eligibility; or (iii) the winner declines the prize.

General Conditions

1. The Contest is void where prohibited by law. All local, state and federal laws apply. 

2. All mailed or delivered entries become property of the Bank. 

3. No substitutions will be made except as authorized by Androscoggin Bank. 

4. By entering the Contest, Eligible Participants agree to abide by and be bound to these Official Contest Rules and any decisions of Androscoggin Bank regarding eligibility of participants, determination of the winner, or any other matters. Any Contest rules, explanations, clarifications and subsequent decisions not addressed in these Rules may be made at the sole discretion of Androscoggin Bank and its officers.

5. By accepting a prize, the winner grants Androscoggin Bank the right to use his or her name, voice, likeness, photographs and written comments for advertising and trade purposes and agrees to sign any required releases in connection with any promotion or publicity without additional compensation, andin order to be eligible for the award of any prize, each winner will be required to sign an Agreement within two weeks of the drawing, which will include verification that the winner has followed all Official Contest Rules.

6. Each Eligible Participant waives the right to assert a claim for any cost of winning any prize or of participating in the Contest, for any and all costs of redemption or travel to redeem a prize, and for any liability which might arise from redeeming or seeking to redeem the prize.

7. Androscoggin Bank reserves the right to require the winner(s) to come to an Androscoggin Bank location to present a valid ID as listed above and to sign any documents required by Androscoggin Bank before the prize is issued to the winner(s).

8. If a prize is won by a person ineligible, unqualified, or unauthorized to participate in the Contest, Androscoggin Bank reserves, in its sole discretion, the right to award that prize to an alternate winner, subject to these Rules.

9. Androscoggin Bank is not responsible for unsuccessful efforts to notify a winner. 

10. Androscoggin Bank and its officers, directors, agents and employees (collectively “Androscoggin Bank”) are not responsible for any physical and/or mental injury or any damages or losses incurred which are attributable to the Contest.By participating in the Contest and/or accepting a prize, Eligible Participants release and hold harmless Androscoggin Bank from any and all liability for any injury, loss or damage resulting fromthe Contest and/or the prize and acknowledge that Androscoggin Bank has neither made nor is in any manner responsible or liable for any warranty, representation or guarantee, expressed or implied, in fact or in law, relative to any prize.