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Rates Calculator

This could be your lucky day — or month, or year. Someone has to win, and that someone may be you.

Prize Details

  • Drawing within 14 days of month or year-end
  • Winnings reported as income on IRS 1099 form


  • Minimum Opening Deposit $25.00
  • One (1) account per primary tax identification number;
  • One (1) penalty-free withdrawal per month;
  • $5.00 withdrawal fee for each withdrawal in excess of one per month.
  • Repeated excess withdrawals may disqualify the account owner from drawings and may result in that account being reclassified. 

Drawing Details

  • Monthly Drawing: One (1) entry for every $25 balance increase as of the last business day of each month.
    • Four (4) fifty dollar ($50) cash prizes, and;
    • One (1) two hundred dollar ($200) cash prize.
  • Annual Drawing: One (1) entry for every $25 balance increase for the period between the first business day through the last business day of each year.
    • One (1) fifty thousand dollar ($50,000) cash prize.

Participant MUST be:

  • At least 18 years of age;
  • A legal resident of North Carolina or Virginia;


  • Drawing limited to one (1) monthly prize per account holder; an account holder can win both the monthly and annual prize for the December drawings.
  • Only the PRIMARY account holder is eligible to win prizes
  • Transactions must occur in North Carolina or Virginia; out of state residents may not participate in drawings.
  • Participants must confirm eligibility to win by verifying identity and age.
  • Winner must consent to the use of his/her name and likeness on promotional and other materials, without additional compensation and agree that his/her name will be shared to other entrants should they request the information. 

The following entities and consumers are ineligible to participate in the program:

  • Corporations
  • Limited Liability Companies
  • Partnerships
  • Associations
  • Sole Proprietorships
  • Trust Accounts
  • Businesses
  • Other Public or Private Entities
  • Directors, officers and employees of the Bank and members of their household.
  • Vendors and related interests of the Bank

Based in Greensboro

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