To open a new WINcentive™ Savings account click on the button below that applies to you to complete the application.
If you're already an Accentra member but you're not currently enrolled in online banking please contact us.
Is saving money a challenge? If you’re struggling to save, consider a WINcentive™ Savings account!
WINcentive™ Savings is a savings account that offers Minnesota-based residents the opportunity to win cash prizes from a state-wide drawing. WINcentive™ Savings offers prize drawing entries in return for each time you increase your month-over-month savings balance by $25 (up to 4 entries per month)*. Prize drawings for all participating credit unions take place monthly, quarterly, and annually. In addition, Accentra will have its own quarterly drawings for our members only.
You can improve your money habits in a whole new way that makes saving fun! You'll feel rewarded by watching your savings grow, and experience the excitement of the prize drawings! And unlike playing the lottery, you don't lose anything with WINcentive™ Savings - all of the money you deposit into the account is yours.
Account Details and Participation Requirements
$5.00 minimum deposit to open, must be retained as long as the account is open
No cost or monthly fee to have the account
Must be a Minnesota or Wisconsin resident (due to existing state laws)
Must be in good standing with the credit union
Minors are eligible to participate as long as a parent or guardian is included on the account
Business, trust, or other non-consumer accounts are not eligible
Accentra employees and their family members are eligible to participate
Limit one WINcentive™ Savings account per person per participating credit union
Unlimited number of deposits allowed
Account is subject to withdrawal fees if funds are withdrawn during the 12 month savings period
Winners will be responsible for reporting and paying applicable state and federal taxes on prizes awarded
WINcentive™ Savings Participation Agreement must be completed and retained by Accentra upon account opening
Prize Drawing Schedule
Number of State-Wide Winners Prize Amounts Drawing Dates
Monthly 45 $100 10th of each month
Quarterly 4 $1,000 10th of April, July, October, & January
Annual 1 $5,000 January 10th of following year
*Prize amounts are estimates and subject to change. Drawings will occur on or around the 10th of each month, or the next business day, for the previous month and/or quarter. Accentra members have won a total of $10,025 in drawings since April 2018.
**Winning one prize category (monthly, quarterly, or annual) does not disqualify you from winning a different prize category within the same year.
WINcentive™ Savings Truth in Savings Disclosure