No purchase necessary to enter. You are automatically entered for the prize each time you use your Pioneer Bank VISA® Debit Card for a point of sale purchase in the month of December 2020 (ATM transactions are excluded). All point of sale purchases are subject to a daily limit as set by Pioneer Bank. This offer runs December 1-31, 2020. The drawing is subject to all federal, state and local laws and regulations. Pioneer Bank employees and members of their households are not eligible to win the prize. By participating in the drawing, entrants agree to be bound by these Official Rules. Drawing is open to Pioneer Bank customers 18 years of age or older and only to legal U.S. residents. Winners will be drawn by Friday, January 29, 2021. There will be four $500 winners. The prize amount will be deposited into the winner’s Pioneer Bank checking account or given in the form of a cashier’s check. Pioneer Bank decisions are final in all matters relating to this drawing. The odds of winning will depend upon the total number of debit card swipes by Pioneer Bank customers and entries received. The winners may receive an IRS Form 1099 from Pioneer Bank for the value of the prize. There is no charge for obtaining a Pioneer Bank debit card. See a Pioneer Bank schedule of fees for other charges that may occur.