Thanks for Paying Sweepstakes 2026
Use your Mascoma Bank-issued debit card to complete an eligible online or in-person transaction between November 1, 2026, and November 30, 2026, for a chance to win one (1) of seven (7) prizes described herein (each a “Prize” and collectively, the “Prizes”). NO PURCHASE NECESSARY TO ENTER OR WIN. You may also enter free by mail as described below. Open only to legal residents of Vermont and New Hampshire who are at least eighteen (18) years of age.
At the conclusion of the Sweepstakes, four (4) participants will each receive a $250 statement credit, two (2) participants will each receive a $500 statement credit, and one (1) participant will receive a $1,000 statement credit. A winner who does not have an eligible Mascoma Bank account at the time of award will receive a check in the same amount instead of a statement credit.
Winners will be selected on or about December 10th, 2026.
Each eligible transaction made using your Mascoma Bank-issued debit card will earn one (1) entry into the Sweepstakes. There is no limit to the number of entries that may be earned.
Alternative methods of entry are described below.
Total prize value: $3,000.
Official Rules
NO PURCHASE, TRANSACTION, OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS PROMOTION.
Sponsor: Mascoma Bank, P.O. Box 4399, White River Junction, VT 05001 (“Sponsor” or “Mascoma Bank”).
Sweepstakes Period
The Sweepstakes begins at 12:00:00 a.m. Eastern Time on November 1, 2026, and ends at 11:59:59 p.m. Eastern Time on November 30, 2026 (“Sweepstakes Period”).
- Who May Enter
(a) At the time of your entry, you must be at least eighteen (18) years of age, be a legal resident of, and have your primary residence in, Vermont or New Hampshire. Residents of all other states are not eligible, and entries from them are void.
(b) The following categories of individuals are not eligible to enter or win:
- Directors, officers, and full-time and part-time employees of Mascoma Bank;
- Full-time and part-time employees of any parent company, affiliate, distributor, subsidiary, advertising or promotional agency, or supplier of promotional materials or services; and
- Immediate family members (spouses, children, parents, in-laws, and siblings) and persons residing in the same household as any of the foregoing.
(c) Each Prize winner who is a Current Cardholder (defined below) must have a Mascoma Bank account that is open and in good standing at the time the Prize is awarded.
- How to Enter
(a) NO ACTUAL PURCHASE OR TRANSACTION IS REQUIRED to enter the Sweepstakes.
Winners need not be present to win but must prove eligibility. Odds of winning depend on the total number of eligible entries (including both transaction entries and mail-in entries) received.
Current Mascoma Bank cardholders (“Current Cardholders”) may enter the Sweepstakes through the qualifying activities described below. Individuals who do not currently have a Mascoma Bank-issued debit card (“Non-Current Cardholders”) may also enter the Sweepstakes by following the alternative entry method described below. Mail-in entries have the same chance of winning as transaction entries, and each Prize is available to every eligible entrant on the same terms.
(i) Automatic Entry
To enter the Sweepstakes, a Current Cardholder may use his or her Mascoma Bank-issued debit card to complete an eligible transaction at any online or in-person merchant during the Sweepstakes Period.
Each eligible transaction constitutes one (1) entry into the Sweepstakes.
Incomplete transactions are not eligible.
There is no limit to the number of entries a Current Cardholder may earn through eligible transactions.
Eligible transactions include PIN-based and signature-based debit card purchases.
Eligible transactions must be made with a personal (consumer) Mascoma Bank-issued debit card. Transactions made with business debit cards, or on HSA or fiduciary-managed accounts (including representative payee, guardianship, conservatorship, and special needs trust accounts), do not earn entries. For joint accounts, each entry is credited to the individual cardholder who made the transaction.
The following transactions are not eligible:
- ATM withdrawals
- Returned transactions
- Reversed transactions
- Fraudulent transactions
- Transactions under dispute or subject to chargeback
- Any transaction that is not authorized during the Sweepstakes Period or that does not fully settle on or before December 7, 2026
Entries earned by a transaction that is returned, reversed, or charged back before the drawing will be removed from the drawing.
Alternatively, if a Current Cardholder does not wish to enter using a transaction, they may enter by using the mail-in entry method described below.
(ii) Mail-In Entry Method
To enter without making a purchase or transaction, hand-print your full name, mailing address, telephone number, and email address on a 3″ x 5″ card and mail it to:
Mascoma Bank Sweepstakes
67 North Park Street
Lebanon, NH 03766
Each properly completed 3″ x 5″ card submitted in a separate envelope and postmarked during the Sweepstakes Period and received by December 4, 2026, will constitute one (1) entry.
There is no limit to the number of mail-in entries an eligible participant may submit; however, each entry must be mailed separately and postmarked during the Sweepstakes Period and received by December 4, 2026, to be eligible.
Mechanically reproduced, photocopied, bulk-mailed, automated, or otherwise artificially generated entries are void and may be disqualified at Sponsor’s sole discretion. Mail-in entries from persons who are not residents of Vermont or New Hampshire are void.
- Prizes
Seven (7) prizes will be awarded as follows:
- Four (4) prizes consisting of a $250 statement credit
- Two (2) prizes consisting of a $500 statement credit
- One (1) prize consisting of a $1,000 statement credit
Total Prize Value: $3,000.
One drawing will take place on or about December 10, 2026.
Winners will be selected in a random drawing from all eligible entries, including all timely mail-in entries and all entries earned by eligible transactions during the Sweepstakes Period. The drawing will be conducted by Mascoma Bank, whose decisions are final and binding on all matters relating to the Sweepstakes.
Limit one (1) Prize per person and per household. If a person or household is selected for more than one Prize, the first Prize drawn will be awarded, and the additional drawing will be void and replaced by a new random drawing.
Statement credit Prizes will be applied to an open Mascoma Bank account of the winner that is in good standing. A winner who does not have such an account (for example, a mail-in entrant who is not a Current Cardholder), or whose only account is of a type described in Section 5(m), will instead receive a check in the same amount. No winner is required to open or maintain an account, or to make any purchase or transaction, to receive a Prize.
- Notification of Winners
After the drawing, winners will be notified by telephone and/or email using the contact information associated with their Mascoma Bank account or using the contact information provided on the applicable mail-in entry.
Winners may be required to complete and return a Mascoma Bank Sweepstakes Agreement and any other documentation required by Mascoma Bank (including, where required by law, tax identification information such as a W-9) in order to verify eligibility and claim a Prize.
Winners will have fourteen (14) days from notification to accept the Prize. Any winner who fails to respond within that period may forfeit the Prize and any right to receive it. If a Prize is forfeited or a winner is disqualified, Mascoma Bank may award the Prize to an alternate winner drawn at random from the remaining eligible entries.
Upon verification of eligibility and completion of any required documentation, Mascoma Bank will arrange for delivery of the Prize. Statement credit prizes will be applied to the winner’s eligible account following winner verification.
Mascoma Bank is not responsible for inaccuracies in information provided by entrants.
Allow up to forty-five (45) days following winner verification for delivery of the Prize.
Winners List: For the names of the winners, send a self-addressed, stamped envelope to the Sweepstakes address above, to be received by January 15, 2027.
- General Conditions
(a) THIS SWEEPSTAKES IS VOID WHERE PROHIBITED OR RESTRICTED BY LAW. All federal, state, and local laws apply.
(b) By submitting an entry, entrants agree to be bound by these Official Rules and the decisions of Mascoma Bank, which shall be final in all matters relating to the Sweepstakes.
(c) All entries become the property of Mascoma Bank. Mascoma Bank will use personal information collected from entrants to administer the Sweepstakes and will handle it in accordance with its privacy policies.
(d) All entries are subject to verification and are void if forged, altered, defaced, tampered with, generated through automatic means, photocopied, otherwise mechanically reproduced, irregularly obtained, or incomplete.
(e) Each Prize winner may be required to sign a Mascoma Bank Sweepstakes Agreement before receiving a Prize. The Sweepstakes Agreement may include a release of liability and consent to the use of the winner’s name, photograph, likeness, and/or voice for promotional purposes where permitted by law. Failure to complete any required documentation may result in forfeiture of the Prize.
(f) Any tax liability arising from acceptance of a Prize is the sole responsibility of the winner. Mascoma Bank will report Prize values to taxing authorities where required by law.
(g) Mascoma Bank, its affiliates, subsidiaries, distributors, advertising and promotional agencies, suppliers, and their respective directors, officers, employees, contractors, agents, and representatives (collectively, the “Sponsor Group”) shall not be liable for any injury, damage, or loss arising from participation in the Sweepstakes or acceptance, possession, or use of a Prize.
(h) To the fullest extent permitted by applicable law, by entering the Sweepstakes, entrants release and hold harmless the Sponsor Group from any and all claims, damages, losses, liabilities, costs, and expenses arising out of participation in the Sweepstakes or acceptance or use of any Prize.
(i) Prizes may not be substituted, transferred, or exchanged except at the sole discretion of Mascoma Bank.
(j) It is the sole responsibility of each entrant to notify Mascoma Bank in writing of any change of address or telephone number. Notification may be sent to:
Mascoma Bank Sweepstakes
67 North Park Street
Lebanon, NH 03766
(k) Mascoma Bank is not responsible for unsuccessful attempts to notify a winner.
(l) By entering the Sweepstakes, entrants acknowledge that they have read and accepted these Official Rules. The laws of the State of New Hampshire shall govern this Sweepstakes. Nothing in these Official Rules limits any right or protection that an entrant who is a Vermont resident has under Vermont law.
(m) Winners are responsible for determining the effect of any prize on their taxes, government benefits, or public assistance programs. Statement credit Prizes will not be applied to representative payee accounts, guardianship accounts, conservatorship accounts, special needs trusts, HSA, Business Accounts, or other fiduciary-managed accounts; a winner whose only Mascoma Bank account is of such a type will instead be paid by check in the same amount.
(n) If fraud, a technical failure, or any other cause beyond Mascoma Bank’s control corrupts the administration, security, or fairness of the Sweepstakes, Mascoma Bank may, subject to applicable law, modify, suspend, or terminate the Sweepstakes and award the Prizes by random drawing from all eligible entries received before the event. Any attempt to tamper with the entry process, or to enter by means other than those described in these Official Rules, is void and may result in disqualification.
