CHRISTMAS CLUB HOLIDAY BONUS GIVEAWAY
SANTA’S BAG? SEE WHAT’S IN SANTA’S POCKET.
Save big for next year’s holiday spending season and win bigger with a bonus in your pocket. That’s because by opening your Christmas Club account starting November 1st through December 31st, you’re automatically entered into the Christmas Club $5,000 Holiday Bonus Giveaway. You could win a $1,000 grand prize gift card or one of eight $500 gift card prizes, spendable anywhere. Plus, at the end of 50 weeks, we’ll reward you with a bonus into your Christmas Club savings account equal to your weekly or monthly savings amount, up to $50. At The Citizens Bank, we’re thanking Santa’s helpers with a chance to bag holiday cash.
9 HOLIDAY WINNERS. $5,000 IN PRIZES. ARE YOU ON SANTA’S WISH LIST?
Start savings for next winter’s holiday season, but get rewarded this January when one winner takes home a $1,000 gift card and 8 winners take home a $500 gift card. Open Christmas Club from November 1st to December 31st, and you will receive one entry into our Christmas Club $5,000 Holiday Bonus Giveaway for each club account opened (see official sweepstakes rules and alternate entry method below). We will draw for our nine (9) holiday winners on or about January 7, 2027. To open Christmas Club, find your local The Citizens Bank branch today and give next year’s holiday budget a boost.
WE’RE GIVING JINGLE BELLS MORE CHA CHING.
Your savings goal is to give next year’s holiday shopping a little extra padding by saving a little every month. But, by opening your Christmas Club account before the end of 2026, you could jingle all the way to a $1,000 grand prize bonus. Open your account no later than December 31, 2026 and get more festive cheer for your wallet.
CHRISTMAS CLUB FAQ
HOW DOES THE CHRISTMAS CLUB ACCOUNT WORK?
Every year, you can open your Christmas Club account starting November 1 through December 31 with your choice of weekly or monthly lump sum payments in the amounts of $5, $10, $15, $25 or $50 automatically transferred from your checking account. Customers are allowed to sign up for Automatic Funds Transfer through July 31st each year.
HOW DO I RECEIVE THE CHRISTMAS CLUB BONUS?
WHEN WILL I RECEIVE MY CHRISTMAS CLUB SAVINGS?
I AM NOT A CUSTOMER OF THE CITIZENS BANK. CAN I OPEN A CHRISTMAS CLUB ACCOUNT?
HOW DO I ENTER THE CHRISTMAS CLUB HOLIDAY BONUS GIVEAWAY?
Official Sweepstakes Rules
NO PURCHASE OR OTHER CONSIDERATION IS REQUIRED OR NECESSARY TO ENTER OR WIN. NO PURCHASE IS NECESSARY AND DOES NOT IMPROVE YOUR CHANCES OF WINNING. NEED NOT BE PRESENT TO WIN. ALL FEDERAL, STATE, LOCAL, AND MUNICIPAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED BY LAW.
1. ELIGIBILITY The Citizens Bank Christmas Club Holiday Bonus Giveaway (the “Sweepstakes”) is open to legal residents Mississippi who are at least eighteen (18) years old at the time of entry. Employees of The Citizens Bank and other companies associated with the promotion of the Sweepstakes, and their respective parents, subsidiaries, affiliates, advertising agencies, promotion agencies, sales representatives, and other vendor agencies involved in this promotion as well as the immediate family (parents, spouses, siblings, children) and household members of each and all such associates, are NOT eligible to enter or win.
2. SPONSOR The Sweepstakes is sponsored by The Citizens Bank of Philadelphia (the “Sponsor”) at 521 W Main Street, Philadelphia, MS 39350, who reserves the right to extend the end date of the contest. This Sweepstakes shall not be published without the written permission of the Sponsor. The Sweepstakes is in no way sponsored by, endorsed by, run by, administered by, or associated with Meta. Any questions or comments regarding the Sweepstakes giveaway, including the prize, should be directed to the Sponsor (The Citizens Bank of Philadelphia), not Meta.
3. AGREEMENT TO OFFICIAL RULES Participation in the Sweepstakes constitutes entrants full and unconditional agreement and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules and fulfilling all other requirements set forth herein.
4. SWEEPSTAKES PERIOD The Sweepstakes begins on November 1, 2026, 9:00 CST and ends on December 31, 2026 11:59PM CST (the “Sweepstakes Period”). Entries that are submitted before or after the Sweepstakes Period will be disqualified. Submissions will be accepted for the duration of the Sweepstakes Period.
5. HOW TO ENTER In person account opening: This method of entry will be available by visiting any branch location of The Citizens Bank and opening a Christmas Club Account. This method of entry will be available beginning November 1, 2026 until December 31, 2026. Mail-In: On a 3×5 card, hand print your full name, complete physical address (including city, state and zip code), phone number (including area code), date of birth, and email address (optional) and mail in an envelope with proper postage affixed to: The Citizens Bank of Philadelphia, P.O. Box 209, 521 W Main Street, Philadelphia, MS 39350. Mail-in entries must be hand-printed and mailed in separately. This method of entry will be available until December 31, 2026, but all mail-in entries must be postmarked by December 26, 2026, and then received by December 31, 2026. Limit one (1) entry per primary account owner, per participating account or, for mail-ins, limit one (1) entry person, per household for the duration of the Sweepstakes Period. Entries received from any person, or household in excess of the stated limitation will be void. If an entrant’s information is not complete, correct, or current, (i.e., address, e-mail address, phone number, first and last name are missing, incorrect or not current), such entrant will be automatically disqualified and ineligible to participate in this Sweepstakes. All entries become the property of the Sponsor and will not be acknowledged or returned.
6. PRIZE DRAWING and WINNER NOTIFICATION On or about January 7, 2027, the Sponsor will select nine (9) potential winners in a random drawing from all eligible entries received. The odds of being selected depend on the number of entries received. The Sponsor will attempt to notify the potential winners via telephone or email on or about January 7, 2027. If the potential winners cannot be contacted within ONE (1) business day after the date of the first attempt to contact him/her, the Sponsor may select an alternate potential winner in his/her place at random from the remaining non-winning, eligible entries and the original, potential winner’s entry will be void.
7. PRIZE Eight (8) gift card prizes will be awarded with a total value of $500 each and one (1) gift card prize will be awarded with a total value of $1,000. No more than the stated number of prizes set forth in these Official Rules will be awarded. Sponsor will not replace any lost or stolen prizes. The awarded prize is non-transferable and no substitutions or cash equivalent, except at Sponsor’s sole discretion. In the case of unavailability of the prize, the Sponsor reserves the right to substitute prize of the equal or greater approximate retail value. Award of prize and confirmation of winner is contingent upon potential winner’s qualification and compliant with all Official Rules. Each prize winner is solely responsible for all applicable federal, state and local taxes, including taxes imposed on his/her income. Sponsor will comply with all tax reporting obligations. Except where prohibited, acceptance of the prize constitutes winner’s consent that their name, likeness, voice, and/or biographical data may be used in any medium for advertising and promotional purposes without limitation and without additional notice, compensation, or consent. Contest winner must pick up the awarded prize at any branch location of The Citizens Bank during normal business operating hours between January 10, 2027, and January 22, 2027. Contest winner that does not pick-up the prize by January 22, 2027, will automatically forfeit their prize.
8. GENERAL CONDITIONS In the event that the operation, security, or administration of the Sweepstakes is impaired in any way for any reason, including, but not limited to fraud, virus, bug, worm, unauthorized human intervention or other technical problem, or in the event the Sweepstakes is unable to run as planned for any other reason, as determined by Sponsor in its sole discretion, the Sponsor may, in its sole discretion, either (a) suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules or (b) terminate the Sweepstakes and, in the event of termination, award the prize at random from among the eligible, non-suspect entries received up to the time of the impairment. The Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Sweepstakes or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to damage the website or undermine the legitimate operation of the Sweepstake may be in violation of criminal and civil law, and should such an attempt be made, the Sponsor reserves the right to seek damage (including attorney’s fees) and any other remedies from any such person to the fullest extent permitted by law. Failure by the Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision.
9. RELEASE AND LIMITATIONS OF LIABILITY By participating in the Sweepstakes, entrants agree to release and hold harmless the Sponsor, Facebook, Instagram, and each of their respective parents, subsidiaries, affiliates, advertising agencies, promotion agencies, sales representatives, and other vendor agencies involved in this Sweepstake, and each of their respective officers, directors, employees, shareholders, representatives, and agents (the “released parties”) from and against any claim or cause of action arising out of the participation in this Sweepstakes or receipt or use of the prize (including travel or activity related thereto), including, but not limited to: (a) any technical errors associated with the Sweepstakes, including lost, interrupted or unavailable Internet Service Provider (ISP), network, server, wireless service provider, or other connections, availability, or accessibility or miscommunications or failed computer, satellite, telephone, cellular tower or cable transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunction, failures, or difficulties; (b) unauthorized human intervention in the Sweepstakes; (c) mechanical, network, electronic, computer, human, printing, or typographical errors: (d) lost, late, incomplete, garbled, illegible, undelivered, stolen, damaged, delayed, postage-due, or misdirected mail, entries, application downloads, (e) any other errors or problems in connection with the Sweepstakes, including, without limitation, errors that may occur in the administration of the Sweepstakes, the announcement of the winner, the cancellation or postponement of the event, the incorrect downloading of the application, the processing of entries application downloads or in any Sweepstakes-related materials, or (f) injury, death, losses, or damages of any kind, to persons or property with may be caused, directly or indirectly, in whole or in part, from the entrant’s participation in the Sweepstakes or acceptance, receipt or misuse of the prize (including any travel or activity related thereto). Entrant further agrees that in any cause of action, the Released Parties’ liability will be limited to the cost of entering and participating in the Sweepstakes, and in no event shall the entrant be entitled to receive attorney’s fees. Released Parties are also not responsible for any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the Sweepstakes. Entrant waives the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages. The Sweepstakes is in no way sponsored by, endorsed by, run by, administered by, or associated with Meta or their respective parents, subsidiaries, affiliates, or their respective officers, directors, employees, shareholders, representatives, and agents.
10. DISPUTES Except where prohibited, each entrant agrees that any and all disputes, claims, and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Mississippi. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the laws of the State of Mississippi, without giving effect to any choice of law or conflict of law rules, which cause the application of the laws of any jurisdiction other than the State of Mississippi.
11. PRIVACY Information collected from entrants is subject to Sponsor’s privacy policy. Sponsor will be collecting personal data about entrants, in accordance with its privacy policy. Please review the Sponsor’s privacy policy located at thecitizensbankphila.com. By participating in the Sweepstakes, entrants hereby agree to Sponsor’s collection and usage of their personal information and acknowledge that they have read and accepted Sponsor’s privacy policy.