Official Rules | Checking Account | Referral Promotion

Official Contest Rules & Regulations

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

VOID WHERE PROHIBITED.

Sponsor & Administrator
The Island BBQ Bundle contest drawing is sponsored and administered by:
Hawaii Community Federal Credit Union (HCFCU)
73‑5611 Olowalu Street, Kailua‑Kona, HI 96740
HCFCU is solely responsible for operating this Promotion, including entry processing, winner selection, and prize fulfillment. All trademarks belong to their respective owners and are used with permission.
Promotion Period
The Promotion runs from May 18, 2026, at 12:00 AM HST through July 5, 2026, at 11:59 PM HST (“Promotion Period”).
Eligibility For Contest
The Promotion is open to legal residents of Hawaii who are 18 years of age or older at the time of entry. Employees, volunteers, officials, and representatives of HCFCU, its promotional and advertising agencies, and members of their immediate families (defined as parents, siblings, children, and spouses) and households (whether or not related) are not eligible. Void where prohibited by law.
How to Enter Contest (No purchase or transaction is necessary to enter or win)
Limit: One (1) contest entry per person, regardless of the number of accounts opened, or entry method used. There are two (2) methods of entry available:
1. Open a New Checking Account
  Individuals who open a new HCFCU checking account during the Promotion Period automatically receive one (1) entry into the contest drawing. To qualify, the new checking account must remain open and in good standing through the date of the prize drawing. An account is considered "in good standing" if it (i) has not been closed, (ii) maintains a positive balance or meets minimum balance requirements as applicable to the account type, (iii) is not subject to any fraud investigation or legal hold, and (iv) is not in default or delinquent status under the account agreement. Individuals may open multiple new checking accounts, but only one entry per person will be counted toward the contest drawing.
2. Mail‑In Entry (Alternate Method of Entry)
  To enter without opening an account, mail the following on a plain postcard or piece of paper:
  Full name
  Mailing address
  Email address
  Telephone number
  Date of birth
  
  Mail to:
  Hawaii Community Federal Credit Union
  Attn: Marketing – Island BBQ Bundle Promotion
  73‑5611 Olowalu St.
  Kailua‑Kona, HI 96740
  
  Mail‑in entries must be postmarked no later than July 5, 2026 (the end of the Promotion Period), and received by HCFCU no later than July 12, 2026, to be eligible. Limit: One (1) mail‑in entry per person. Entries become property of HCFCU and will not be acknowledged or returned.
  
  Sponsor will not be responsible for lost, late, incomplete, invalid, unintelligible, illegible, damaged, misdirected, returned, or postage-due entries, which will be disqualified. Entrants need not be present to win.
Prizes For Contest
1. Contest Drawing Prize (1 Winner at each of our six branches)
  Six (6) total winners will be selected, with one (1) winner selected per each of HCFCU's six branch locations, and each winner will receive the following Island BBQ Bundle:
  Americana Walk-A-Bout Charcoal "Original Square Grill," Expert Grill Stainless Steel Grilling Set, Engraved Wooden Cutting Board, and $50 KTA Gift Card.
  Suggested retail value of The Island BBQ Bundle is approximately $202.
  
  (Prize availability subject to change without prior notice; substitutions of equal or greater value may be made at HCFCU’s discretion.) Each winner will be solely responsible for all applicable federal, state, and local taxes, and for any other fees or costs associated with the prize awarded. If the actual retail value of the prize awarded meets or exceeds the IRS reporting threshold ($600 or more), each winner will receive IRS Form 1099-MISC for the actual retail value of the prize as required by federal tax law. Consult your tax advisor and/or financial advisor regarding the tax implications. Prizes are non-transferable and may not be substituted or redeemed for cash.
2. Prize Pickup
  Contest prize winners who opened a new checking account must pick up their prize from the HCFCU branch where their new checking account was opened. Mail-in entry winners will be randomly assigned to one of the six branch locations (Hilo, Honokaa, Kailua, Kaloko, Kealakekua, and Kohala) for prize pickup and will be notified of their designated branch location at the time of winner notification. All prizes must be claimed within thirty (30) calendar days from the date of HCFCU's first winner notification attempt (whether or not such notification is actually received by the winner), or the prize will be forfeited. Forfeited prizes may be awarded to alternate winners at Sponsor's discretion.
  
  Each winner is responsible for all applicable federal, state, and local taxes associated with prize acceptance and must provide required tax documentation as specified in Section 7.
Referral Gift Promotion
Eligible referring members will receive one (1) $25 gift card for each qualifying referral that results in a new checking account being opened and maintained in good standing during the Promotional Period. No limit on the number of referral gifts earned. Gift card may be redeemed either by using the secured link sent to referrer via email or by redeeming the gift card in person at any branch location. If referral gifts to a single member total $600 or more in a calendar year, HCFCU will report the total value on IRS Form 1099-MISC as required by federal tax law.
Winner Selection & Notification
The random contest drawing is scheduled to occur on or around July 31, 2026, from all eligible entries received by the contest sponsor. The drawing will be conducted by an independent third party or by a HCFCU representative who has not been involved in the promotion's marketing, entry processing, or administration to ensure fairness and impartiality. Potential winners will be notified in-person, or by telephone, U.S. mail, or email. All potential winners must comply with all terms and conditions of these Official Rules, and being declared an official winner is contingent upon fulfilling all requirements set forth herein. Potential winners may be required to sign and return an affidavit of eligibility/compliance (including providing his/her Social Security Number for tax purposes if required by law) and a publicity/liability release ("Release"), as allowed by law, within five (5) business days of notification attempt or he/she will forfeit the prize. In the event of prize forfeiture, a potential winner is unreachable, the prize notification is undeliverable, or if a potential winner declines acceptance of the prize, Sponsor may award the prize to a randomly selected alternate potential winner. All potential winners of the Contest are subject to verification by Sponsor, whose decisions as to the administration and operation of the Contest and the selection and verification of potential winners are final and binding in all matters related to the Contest. All materials submitted become the sole property of Sponsor and will not be returned. Winners may be announced on www.hicommfcu.com and will be contacted personally by the Contest Sponsor via phone and/or email. Winners may also be announced in newsletter and press release formats. Before being declared a winner, the selected entrant may be required to show proper photo identification. Any selected entrant who cannot be contacted (or who fails to respond to any telephone message or email left for such selected entrant), or who refuses to sign a declaration and release form within 5 business days of the Contest Sponsor's first attempt to contact such selected entrant may, at the sole discretion of the Contest Sponsor, be declared ineligible and the Contest Sponsor reserves the right, in such event, in its sole discretion, to determine one or more additional entrants whom they shall attempt to contact, and who shall be subject to disqualification, in the same manner.
Odds of Winning
Odds of winning depend on the total number of eligible entries received per branch location. For example, if 1,000 entries are received at a single branch, the odds of winning a prize at that branch are 1/1,000. Since there are six (6) branch locations with one (1) winner selected per branch through separate drawings, participants' overall odds of winning depend on both the number of entries at their designated branch and the total number of entries across all branches.
Publicity Release
By entering this Contest, each participant grants HCFCU the perpetual, royalty-free, worldwide right to use their name, likeness, city, state, and photograph for promotional purposes without additional compensation, consideration or payment, except where prohibited by law. Winners may be required to sign a separate publicity release as a condition of prize acceptance.
Consent to Contact
By entering, participants agree that HCFCU may contact them via phone or email for winner notification purposes. Standard message or data rates may apply.
General Conditions
By entering, participants agree to these Official Rules and to HCFCU’s decisions, which are final in all matters relating to the Promotion. HCFCU reserves the right to modify, suspend, or cancel the Promotion if technical issues, fraud, or other factors compromise the integrity of the Promotion.

This Promotion is subject to all applicable federal, state, and local laws and regulations. If any provision of these Official Rules is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
General Release
The Contest Sponsor extends absolutely no representations or warranties in respect of any prizes and accepts no liability arising in respect of such prize. Each entrant hereby agrees to release, indemnify, and hold harmless HCFCU, its subsidiaries, affiliates, directors, officers, employees, agents and sponsors from any claims, actions, damages, losses or injury of any kind including but not limited to personal injury or death, resulting from participating in the Contest or from acceptance, use or misuse of a prize awarded or participation in any prize-related activity, except where such release is prohibited by law or to the extent caused by HCFCU's gross negligence or willful misconduct.
LIMITATION OF LIABILITY:
Sponsor is not responsible for lost, late, mutilated, delayed, inaccurate, incomplete, postage due or misdirected Entries, processing Entries, internet access or other connections, miscommunications, failed telephone or computer transmissions/failures of any kind or jumbled, scrambled or misdirected Entries, or for phone, electrical, network, computer hardware or software or program malfunctions, inability to upload or download any information in connection with participating in the Contest, failures or difficulties or for other errors, omissions, interruptions, or deletions of any kind whether human, mechanical or electronic or for any damage to any person or person’s computer or property related to participating in the Contest. Persons found tampering with, abusing any aspect of this Contest, or violating these Official Rules, will be disqualified and may be subject to prosecution. CAUTION: ANY ATTEMPT TO UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. In the event of a dispute as to the identity of a winner or Entry based on an automatic Entry, the winning Entry will be declared made by the Member who is the primary Account Holder, as determined solely by Sponsor’s records. IN NO EVENT WILL SPONSOR AND ITS AGENTS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF PARTICIPATION IN THIS CONTEST OR ACCEPTANCE OR USE/MISUSE OF ANY PRIZE
DISPUTES:
ENTRANT AGREES THAT: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS CONTEST OR ANY PRIZES AWARDED SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, AND EXCLUSIVELY THROUGH BINDING ARBITRATION BEFORE A SINGLE, MUTUALLY AGREEABLE ARBITRATOR AND CONDUCTED IN KAILUA-KONA, HAWAII THROUGH DISPUTE PREVENTION & RESOLUTION, INC.; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, INCLUDING COSTS ASSOCIATED WITH ENTERING THIS CONTEST BUT IN NO EVENT ATTORNEYS’ FEES OR COSTS; AND (3) UNDER NO CIRCUMSTANCES WILL ENTRANT BE PERMITTED TO OBTAIN AWARDS FOR, AND ENTRANT HEREBY WAIVES ALL RIGHTS TO CLAIM, PUNITIVE, INCIDENTAL AND CONSEQUENTIAL DAMAGES AND ANY OTHER DAMAGES, OTHER THAN FOR ACTUAL OUT-OF-POCKET EXPENSES, AND ENTRANT FURTHER WAIVES ANY AND ALL RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of the State of Hawaii without giving effect to any choice of law or conflict of law rules (whether of the State of Hawaii or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Hawaii.
Privacy
Information collected from participants is subject to HCFCU’s Privacy Policy and applicable law. By entering, participants acknowledge they have read and agree to HCFCU's Privacy Policy available at www.hicommfcu.com/privacy. HCFCU will use personal information only for purposes of administering this Contest, selecting winners, and fulfilling prizes, unless participants provide separate consent for marketing communications.