Set up automatic savings for your chance to win.

Saving regularly, however big or small, can help you prepare for unexpected expenses or achieve a savings goal for a larger purchase. At Patelco, we are committed to helping you reach your financial goals while making saving fun and rewarding.

To play, you must have a Patelco checking and savings account.¹

How it Works:

SAVE

SAVE

Set up automatic savings from your checking to your Patelco savings account.
PLAY

PLAY

Save $5 or more each week, and you’ll get an email to play the online scratcher the following week.
WIN

WIN

You could win $5, $25, $50, or $100. Prize will be deposited into your Patelco savings account within 10 days.

 

Ready to play?

Set up automatic transfers via Online Banking, at your local branch, or call 800.358.8228.

 

Choose the checking account that meets your needs:

Free Checking

Always free, always easy.

  • $0 monthly fee
  • No minimum balance requirement
  • 30,000+ fee-free ATMs nationwide
  • Free Debit Mastercard® card for secure and easy payment
  • 24/7 online and mobile banking, including Bill Pay, Mobile Deposit, and person-to-person payment
  • Alerts and budgeting tools in your mobile app for easier money management
  • Overdraft protection

Open Today

Plus Checking

Get all of the benefits of Free Checking, plus: Enjoy over $600 in annual benefits to protect your family and help you achieve financial well-being for a $6.95 monthly fee.²

  • Award-winning EZShield® Identity Theft Protection
  • Two worldwide ATM fee rebates per month
  • Automatic Round-Up savings & 10% match
  • Free credit monitoring, credit score, and credit report
  • Cell phone protection
  • 24/7 roadside assistance
  • Exclusive discounts on dining, shopping, health, travel and more

Open Today

 

Frequently Asked Questions

¹ You must have a Patelco checking and savings account to participate through the Member Account Method. See Official Rules for other methods of entry.

² Combined services valued at $642 per year based on research on websites for LifeLock, AT&T, Sprint, Verizon. Cell phone protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union, its affiliates, and not guaranteed by any government agency. Participating merchants on Patelco Plus Benefits are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.

Patelco Play. Save. Win. Game

OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. The Patelco Play. Save. Win. Game ("Promotion") begins at 6:00:00 AM Pacific Time (“PT”) on June 17, 2019 and ends at 11:59:59 PM PT on September 30, 2019 (“Promotion Period”). The Promotion contains a game of chance (“Sweepstakes”). The computer clock of Administrator is the official time-keeping device in the Promotion.

 

  1. ELIGIBILITY: The Promotion is open only to Patelco Credit Union Members (“Members”), who are legal residents of California, who are 18 years of age or older at the time of Promotion registration, who have an open Patelco Checking account in good standing, and who have a valid email on file with Patelco, or who meet the eligibility criteria outlined in the Alternate Method section below. There’s no fee to join Patelco and membership includes a free savings account. Patelco will deposit $1 in the savings account upon qualified account opening. Free Checking is one of the checking options available to all members. The Retail Portfolio Manager at Patelco Credit Union (“Sponsor”), Earn.org, Realtime Media LLC (“Administrator”) their respective parent companies, affiliates, subsidiaries, advertising,and fulfillment and marketing agencies, (collectively, “Promotion Parties”) their immediate families (parent, child, sibling & spouse and their respective spouses, regardless of where they reside) and persons living in the same households as such individuals (whether related or not) are not eligible to participate in the Promotion. Patelco employees and Patelco Board Members, their immediate families (parent, child, sibling & spouse and their respective spouses, regardless of where they reside) and persons living in the same households as such individuals (whether related or not) are not eligible to participate in the Monthly Sweepstakes Grand Prize (“Monthly Sweepstakes”) component of this Promotion. By participating, you agree to these Official Rules and to the decisions of the Sponsor, which are final and binding in all respects. Void in any state not listed above and where prohibited by law, rule or regulation. All federal, state and local laws and regulations apply.

     

  2. TIMING:

     

    MEMBERSHIP AND SAVING PERIOD: The Promotion will consist of fourteen (14) individual saving periods (each a “Membership and Saving Period”) which are outlined within the chart below:

    Membership and Saving Period

    Membership and Saving Period Start Date and Time (PT)

    Membership and Saving Period End Date and Time (PT)

    1

    6/17/19 at 6:00:00 AM

    6/24/19 at 5:59:59 AM

    2

    6/24/19 at 6:00:00 AM

    7/1/19 at 5:59:59 AM

    3

    7/1/19 at 6:00:00 AM

    7/8/19 at 5:59:59 AM

    4

    7/8/19 at 6:00:00 AM

    7/15/19 at 5:59:59 AM

    5

    7/15/19 at 6:00:00 AM

    7/22/19 at 5:59:59 AM

    6

    7/22/19 at 6:00:00 AM

    7/29/19 at 5:59:59 AM

    7

    7/29/19 at 6:00:00 AM

    8/5/19 at 5:59:59 AM

    8

    8/5/19 at 6:00:00 AM

    8/12/19 at 5:59:59 AM

    9

    8/12/19 at 6:00:00 AM

    8/19/19 at 5:59:59 AM

    10

    8/19/19 at 6:00:00 AM

    8/26/19 at 5:59:59 AM

    11

    8/26/19 at 6:00:00 AM

    9/2/19 at 5:59:59 AM

    12

    9/2/19 at 6:00:00 AM

    9/9/19 at 5:59:59 AM

    13

    9/9/19 at 6:00:00 AM

    9/16/19 at 5:59:59 AM

    14

    9/16/19 at 6:00:00 AM

    9/23/19 at 5:59:59 AM

     

    ENTRY PERIOD: The Promotion Period will consist of fourteen (14) individual entry periods (each an “Entry Period”) which are outlined within the chart below:

    Entry

    Period

    Entry Period

    Start Date and Time (PT)

    Entry Period End

    Date and Time (PT)

    1

    6/24/19 at 12:00:00 PM

    6/30/19 at 11:59:59 PM

    2

    7/1/19 at 12:00:00 PM

    7/7/19 at 11:59:59 PM

    3

    7/8/19 at 12:00:00 PM

    7/14/19 at 11:59:59 PM

    4

    7/15/19 at 12:00:00 PM

    7/21/19 at 11:59:59 PM

    5

    7/22/19 at 12:00:00 PM

    7/28/19 at 11:59:59 PM

    6

    7/29/19 at 12:00:00 PM

    8/4/19 at 11:59:59 PM

    7

    8/5/19 at 12:00:00 PM

    8/11/19 at 11:59:59 PM

    8

    8/12/19 at 12:00:00 PM

    8/18/19 at 11:59:59 PM

    9

    8/19/19 at 12:00:00 PM

    8/25/19 at 11:59:59 PM

    10

    8/26/19 at 12:00:00 PM

    9/1/19 at 11:59:59 PM

    11

    9/2/19 at 12:00:00 PM

    9/8/19 at 11:59:59 PM

    12

    9/9/19 at 12:00:00 PM

    9/15/19 at 11:59:59 PM

    13

    9/16/19 at 12:00:00 PM

    9/22/19 at 11:59:59 PM

    14

    9/23/19 at 12:00:00 PM

    9/29/19 at 11:59:59 PM

     

     

  3. HOW TO PARTICIPATE:There are two (2) methods of participation in the Promotion which are outlined below:

     

    • MEMBER ACCOUNT METHOD: At the beginning of the Promotion, eligible Members, as outlined in Section 1, who have saved at least five dollars ($5 USD) in their flagged primary Patelco savings account and who have an open Patelco checking account in good standing as of 6/24/19 at 5:59:59 AM PT, will receive an invitation email from Patelco with a link to www.saverlife.org/patelco (the "Website") to participate during Entry Period #1.

       

      For the rest of the Entry Periods (#2-14), only Members who have saved at least five dollars ($5 USD) in their flagged primary Patelco savings account and who have an open Patelco checking account in good standing are eligible to participate via this entry method (e.g., Members who have saved at least five dollars in their flagged primary Patelco savings account in Membership and Saving Period #2 are eligible to participate in Entry Period #2). Members that have saved at least $5 in their flagged primary Patelco savings account in the previous Membership and Saving Period will be automatically eligible to play to win one (1) prize as outlined below:

       

      Amount Saved in Previous Membership and Saving Period

      Amount Eligible to Play For

      $5.00 or greater

      $5.00, $25.00, $50.00, or $100.00

       

      Saving at least five dollars ($5 USD) will be determined by a transfer into the Member’s flagged Patelco primary savings account from a Patelco checking account or from any other funds from outside of Patelco between 6:00:00 AM PT on the first day of the Membership and Saving Period to 5:59:59 AM PT on the last day of the Membership and Saving Period. If a transfer occurred from a Patelco checking account or from any other funds outside of Patelco into the Member’s linked Patelco primary savings account by the last day of the Membership and Saving Period in the amount of at least five dollars ($5 USD), the Member will receive an automatic entry to participate in the corresponding Entry Period. Members can only play to win for one (1) prize based on the amount saved in the Member and Saving Period.

       

      To participate, log in to the Website during the Entry Period with the email address associated with your account and complete the registration form with your true and correct information in the required fields (required fields include: Email Address) if you have not done so previously. Eligible members will earn one (1) gameplay for the “Scratch Card” Instant Win game (“Game”). When the Game is completed you will be notified if you are a winner or loser. To win, you must have revealed a winning card. All winners are subject to verification before any prize will be awarded. For subsequent Entry Periods, you will automatically earn one (1) gameplay when you save at least 5 dollars ($5 USD) in subsequent Membership and Saving Periods. Eligible participants will receive an email inviting them to play by going to the Website. Users will also receive one (1) Monthly Sweepstakes Grand Prize (“Monthly Sweepstakes”) entry per dollar transferred into the flagged Patelco savings account as outlined above over the course of the month, up to a maximum of 400 entries per month.

      ALTERNATE METHOD: The Alternate Method is open only to legal residents of California who are at least eighteen (18) years of age at the time of entry.

       

      To receive an entry into the “Scratch Card” Instant Win game (“Game”) print your full legal name, email, address, date of birth, and phone number on a three-by-five (3x5)-inch card. Place the card in an envelope, affix first-class postage, and send it to Patelco Credit Union, Attn: Marketing, Play. Save. Win. Instant Win Entry, P.O. Box 8020, Pleasanton, CA 94588. Entries generated by electronic or other automated means will be disqualified. Incomplete, unreadable, or unintelligible entries will be disqualified. Limit one (1) Game entry per person per week. Entries received by the Alternate Method within the specified Membership and Saving Period referenced in the Timing section above will receive an email to participate in the corresponding Entry Period via this entry method. To participate, log in to the Website during the Entry Period with the email address provided on the three-by-five (3x5)-inch card and complete the registration form with your true and correct information in the required fields (required fields include: Email Address) if you have not done so previously. Eligible entrants will earn one (1) gameplay for the Game. When the Game is completed you will be notified if you are a winner or loser. To win, you must have revealed a winning card. All winners are subject to verification before any prize will be awarded.

       

      To receive an entry into the Monthly Sweepstakes Grand Prize game (“Monthly Sweepstakes”), print your full legal name, email, address, date of birth, and phone number on a three-by-five (3x5)-inch card. Place the card in an envelope, affix first-class postage, and send it to Patelco Credit Union, Attn: Marketing, Play. Save. Win. Monthly Sweepstakes Grand Prize Entry, P.O. Box 8020, Pleasanton, CA 94588. Entries generated by electronic or other automated means will be disqualified. Incomplete, unreadable, or unintelligible entries will be disqualified at the Credit Union’s sole discretion. Limit one (1) Monthly Sweepstakes entry per person per mailed envelope, and four hundred (400) Monthly Sweepstakes entries per person per month. Entries received by the Alternate Method by the last date of the specified month will receive Monthly Sweepstakes entries equivalent to the total cumulative mailed envelope Monthly Sweepstakes entries received during the specified month.

       

      No copies, mechanical reproductions, or metered mail accepted. Proof of mailing does not constitute proof of delivery. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries or mail. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned.

      Limit of one (1) Instant Win gameplay per person/per email, per Entry Period, and four hundred (400) Monthly Sweepstakes per person per month, regardless of method of participation. Regardless of method of entry, all participants must satisfy the eligibility requirements set forth above in order to be eligible to win a prize.

       

      Each entry and all other information provided by a participant in and/or winner of the Promotion in connection with the Promotion and/or any prize will be subject to the Sponsor’s Privacy Policy, located at https://www.patelco.org/privacy. By entering the Promotion, you acknowledge that your email address will be made available to the Sponsor and the Administrator. You further acknowledge that the Sponsor is permitted to use your email address in accordance with the Sponsor’s Privacy Policy, located at https://www.patelco.org/privacy.

       

  4. INSTANT WIN PRIZE AWARDING/ODDS: Eight Thousand Seven Hundred and Eighty-Three (8,783) Instant Win prize winners will be determined throughout the Promotion Period. Odds of winning an Instant Win Prize depend on the number of eligible Promotion Entries received and the date and time when a particular Promotion participant plays the Game.

     

  5. SWEEPSTAKES DRAWING/ODDS: On or about July 1, 2019, August 1, 2019, September 3, 2019 and October 1, 2019 (each a “Monthly Drawing Date”), the Administrator will conduct a random drawing from all eligible Monthly Sweepstakes Entries and select one (1) potential winner for each Monthly Drawing Date. Odds of winning the Sweepstakes is based on the total number of eligible Monthly Sweepstakes Entries received during the Promotion Period. Odds of winning a Monthly Sweepstakes Prize depend on number of eligible Entries received.

     

  6. WINNER NOTIFICATION: The potential Monthly Sweepstakes prize winners will be notified by email and/or phone within ten (10) days of winner selection or as soon as reasonably practicable. Potential winner of a prize valued at $600 or more will be sent, via email and/or overnight mail, an Affidavit of Eligibility/Release and an IRS W9 Form. All forms must be completed, signed, notarized and returned to a physical Patelco branch within seven (7) calendar days of date of issuance. The potential winner then and only then becomes the “winner.” Potential Instant Win Game winners will receive pop-up confirmation immediately after playing. If such potential winner cannot be contacted within a reasonable time period, if the potential winner is ineligible, if any notification is returned undeliverable, or if the potential winner otherwise fails to fully comply with these Official Rules, he/she will forfeit that prize and an alternate winner will be selected from among all remaining Entries for that drawing. All prizes will be fulfilled approximately four (4) to six (6) weeks after the Promotion has ended.

     

  7. PRIZES/PRIZE RESTRICTIONS: A total of Eight Thousand Seven Hundred and Eighty-Three (8,783) prizes will be awarded during the Promotion.

     

    • MONTHLY SWEEPSTAKES GRAND PRIZES (4):A total of four (4) Monthly Sweepstakes Grand Prizes will be awarded (one (1) per month).Each Monthly Sweepstakes Grand Prize will consist of the following:
      • One (1) $10,000 direct deposit into the linked Patelco primary savings account* or mailed via check or given in person, as necessary, for Alternate Method winners.

        *All Monthly Sweepstakes Grand Prize Winners must visit a Patelco branch to claim prize and agree to be filmed, recorded, and answer questions pertaining to the winning. Each winner’s name, photograph, video, recording, likeness and other material developed in conjunction with claiming the Grand Prize are the sole property of Patelco and may be used for marketing or other purposes as Patelco sees fit, without further compensation in any and all media now known or hereinafter without territorial restriction (except where prohibited by law).

         

      The Approximate Retail Value (“ARV”) of all Monthly Sweepstakes Grand Prizes is $40,000.00

       

    • INSTANT WIN PRIZES (8,783): A total of Eight Thousand Seven Hundred and Eighty-Three (8,783) Instant Win Prizes will be awarded, as detailed below (one (1) prize per email):
      • Eight Thousand One Hundred and Ninety (8,190) $5 direct credit into existing Patelco primary savings account or mailed via check, as necessary, for Alternate Method winners.
      • Four Hundred and Ninety-Six (496) $25 direct credit into existing Patelco primary savings account or mailed via check, as necessary, for Alternate Method winners.
      • Sixty-One (61) $50 direct credit into existing Patelco primary savings account or mailed via check, as necessary, for Alternate Method winners.
      • Thirty-Six (36) $100 direct credit into existing Patelco primary savings account or mailed via check, as necessary, for Alternate Method winners.

       

      The ARV all Instant Win Prizes is $60,000

       

      The ARV of all prizes is $100,000

       

      GENERAL PRIZE RESTRICTIONS: Acceptance of any prize constitutes permission to use winner's name, photograph and likeness for publicity purposes without further compensation in any and all media now known or hereinafter without territorial restriction (except where prohibited by law). By entering, you agree that Promotion Parties and their respective subsidiaries, affiliates, directors, employees, agents, successors and/or assigns and their advertising and promotional agencies shall have no liability for, and to release and hold all such parties harmless from, any damage, loss or liability to person or property, due in whole or part, directly or indirectly, by reason of the acceptance, possession, use or misuse of prize or participation in this Promotion. Any and all disputes, claims and causes of action arising out of or connected with this Promotion, or any prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively by arbitration. Any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorney's fees. Sponsor reserves the right, in its sole discretion to terminate, modify, cancel or suspend this Promotion and award the prize from among all eligible Entries received prior to action taken by Sponsor, should fraud, virus, bugs or other causes beyond the control of Sponsor corrupt the administration, security or proper play of the game. Promotion Parties are not responsible for computer system, phone line, hardware, software or program malfunctions, or other errors, failures or delays in computer transmissions or network connections that are human or technical in nature. Sponsor reserves the right at its sole discretion, to disqualify any individual, and all of his/her Entries, who tampers with the entry process. By entering, you agree that all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, participant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules, and you consent to the jurisdiction and venue of the federal, state and local courts located in. Please see the Sponsor’s Privacy Policy at https://www.patelco.org/privacy for details regarding the use of personal information collected in connection with this Promotion.

       

  8. PRIZE LIMITATIONS: Limit of one (1) Instant Win Game Prize per person/ per email per week. Instant Win Game Prize Winners are also eligible to receive the Monthly Sweepstakes Grand Prize, but no more than once per person/per email during the Promotion. If it is discovered, during prize verification, that you have entered, attempted to enter, or used multiple accounts to enter more than the stated limit, you will be disqualified at the discretion of the administrator, or will be void. Entries generated by script, macro or other automated means and Entries made by any means, which subvert the entry process, are void. All Entries become the property of Sponsor and will not be acknowledged or returned. Promotion Parties are not responsible for late, lost, stolen, damaged, delayed, or undelivered prizes.

     

  9. RELEASE OF LIABILITY: Promotion Parties shall not be responsible or liable for Entries that are entered by other than human means (such as by an automated computer program or any non-human mechanism, entity, or device), in excess of the stated limit, or for Entries that are late, forged, destroyed, lost, misplaced, stolen, misdirected, tampered with, incomplete, deleted, damaged, garbled, or otherwise not in compliance with these official rules, and all such Entries will be disqualified.By entering the Promotion, you agree: (i) to be bound by these official rules and by all applicable laws and all decisions of the judges which shall be binding and final; (ii) to waive any rights to claim ambiguity with respect to the official rules; (iii) to waive all of his/her rights to bring any claim, action, or proceeding against any of the Promotion Parties; and (iv) to release, indemnify, and hold harmless each of the Promotion Parties and each of their respective officers, directors, employees, agents and representatives, from any liability (including, but not limited to, liability for any property loss, damage, personal injury, bodily injury, death, loss, expense, accident, delay, inconvenience or irregularity), costs and expenses (including without limitation, reasonable outside attorney’s fees) that may arise in connection with: (a) your participation or inability to participate in the Promotion, (b) typographical errors in the official rules or any Promotion promotional materials, (c) acceptance or possession, defects in, use, misuse or inability to use an prize (or any component thereof), (d) any change by any company or any other person providing any of the components of a prize due to reasons beyond any of the Promotion Parties’ control or as otherwise permitted hereunder, (e) any interruptions in or postponement, cancellation, or modification of the Promotion, (f) human error, (g) incorrect or inaccurate transcription, receipt or transmission of any part of the Entry (including, without limitation, the entry information or any parts thereof), (h) any technical malfunctions or unavailability of the Promotion site or any telephone network, computer online system, computer dating mechanism, computer equipment, software, or internet service provider utilized by any of the Promotion Parties or by you, (i) interruption or inability to access the sweepstakes, any Promotion-related web pages, or any online service via the internet due to hardware or software compatibility problems, (j) any damage to your (or any third person’s) computer and/or its contents related to or resulting from any part of the Promotion, (k) any lost/delayed data transmissions, omissions, interruptions, defects, and/or any other errors or malfunctions, (l) any wrongful, negligent, or unauthorized act or omissions on the part of any of the Promotion Parties, or any of their agents or employees, or (m) any other cause, condition or event whatsoever beyond the control of any one or more of the Promotion Parties.Each winner hereby acknowledges that the Promotion Parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to any prize or component thereof, including any express or implied warranties provided by any of the prize suppliers associated with this Promotion.

     

  10. CHOICE OF LAW AND JURISDICTION: Except where prohibited, all issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants or winners, Sponsor, and administrator in connection with this Promotion, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules or provisions (whether of the State of California or any other jurisdiction), which might otherwise cause the application of the laws of any jurisdiction other than the State of California. Any action seeking legal or equitable relief arising out of or relating to the Promotion or these Official Rules shall be brought only in the courts of the State of California. You hereby irrevocably consent to the personal jurisdiction of said courts and waive any claim of forum non-convenience or lack of personal jurisdiction they may have.

     

  11. TAX INFORMATION: All federal, state, local, and other taxes on prizes and any other costs and expenses associated with prize acceptance and use not specified herein as being provided, are the sole responsibility of the applicable winner. A 1099 tax form (preceded by a W9 Form) will be issued to the Monthly Sweepstakes Grand Prize Winners and any winner that receives cash rebates from Patelco Credit Union on all promotions awarded in a given tax year totalling $600 or more. Please consult with your tax advisor.

     

  12. WINNER LIST: For the name of the winner(s) send a #10 self-addressed stamped envelope for receipt by September 15, 2019 to: Patelco Play. Save. Win. Game Winners List Request, C/O Realtime Media, 200 Four Falls Corporate Center, Suite 100, Conshohocken, PA19428.

 

SPONSOR: Patelco Credit Union, P.O. Box 8020, Pleasanton, CA 94588

 

ADMINISTRATOR: Realtime Media LLC, 200 Four Falls Corporate Center, Suite 100, Conshohocken, PA  19428

Bonus

Automatically enter the $10,000 monthly grand prize drawing.

Earn 1 entry for every dollar saved, up to 400 entries per month. Save more and get more chances to win!