Do You Have the Luck of the Irish?
If so, submit your photo and win a pot of gold...

Time to dig out that rabbit's foot! This March, ACU is holding a "Picture Perfect" photo contest to select a new photo card design for our members to use.

   Click to see where your image could be featured...   


Just pick a picture you love and submit it through our Design-Your-Own online form. We will select five finalists from all of the entries. Those five submissions will be posted on the Credit Union Website, listed on the ACU Facebook page, and displayed at all of our branches for the entire ACU community to decide which photo they would want to see as a personalized Visa® Credit or Debit Card. The winning entry will be announced April 22, 2013.

The winning entry will be added to our list of standard card options (view here) for ACU members all over the country to choose as their card design. Not only that, but we will also send you a "pot of gold" in the form of a $50 Visa® Gift card, usable anywhere Visa® is accepted!

So, kiss the blarney stone and search for four leaf clovers. If the luck of the Irish is on your side, you just may win!

Steps To Enter:

  • Find a picture you think ACU's members would love to have on their Visa® Credit or Debit Card.
  • Go to our online card ordering form and do the following:
    • For "Today's Request", select the Photo Contest Entry option.
    • Make sure you enter your email address and name.
    • Select the "Design-Your-Own" option and follow onscreen instructions to upload your image.
    • Read & Accept the agreement and submit your entry.
  • Visit our Website on April 12, 2013 to see if your submission was selected as a finalist!




The contest sponsor is Ashland Credit Union, 1300 Central Ave, Ashland, KY 41101.

Entries will be accepted between March 8, 2013 and April 10, 2013 at 11:59 AM Eastern Time, after which the first of two judging rounds will commence. By submitting an entry, each entrant agrees to the Official Rules and warrants that his or her entry complies with all requirements set forth in the Official Rules. This is a skill-based contest and chance plays no part in the determination of winners.

Take a picture that you think would look great on an ACU-branded Visa® Debit Card or Visa® Platinum Rewards Credit Card and submit it to the contest using the method listed below ("Photo Submission"). Once a photo is submitted, it is considered a final submission and may not be modified, edited, or replaced. Contestants may submit no more than two photos. Participation in this contest is automatically considered acceptance of these Official Rules. A Photo Submission must be an original digital photograph taken by the submitter.

Photo Submission:
To submit your photo, you must upload it to the Credit Union using the Card Ordering form found at Submissions must include the name of the submitter and an email address where they can be reached. Participants must also indicate their desire for their entry to be considered in the photo contest by checking an appropriate box in the "Card Status" section of the form and must select the "Design-Your-Own" option in the "Card Design" section of the form.

Ashland CU has limitations on the types of photos that can be used on custom Visa® Debit and Credit cards. All photo submissions must adhere to the same acceptance guidelines for custom cards. These guidelines are displayed during the submission process. Ashland CU reserves the right to disqualify, at its sole and absolute discretion, any photo for which it does not believe adhere to the stated acceptance guidelines.

By submitting a photo in the contest, the contestant affirms that he or she has obtained written consent from all individuals whose image or likeness appears in the photo. The contestant further affirms that he or she has obtained the necessary rights, licenses, consents and permissions to use all material in the photo. Failure to obtain such rights, license consents, and permissions may result in the disqualification of the photo submission at Ashland CU's sole and absolute discretion. Ashland CU recognizes no allowance for “fair use” of copyrighted material. In the event of any question or difference of view regarding compliance with, interpretation, or application of these Content Requirements or other provisions of these Official Contest Rules, Ashland CU reserves the exclusive right to resolve such questions or differences of view in their sole discretion.

  1. Contestants must be at least 14 years of age on the date of the commencement of the contest.
  2. The person submitting the photo will be considered the Contestant and will be the only person eligible to compete for the prize. In order to be eligible to win the prize, you must provide accurate and complete information.
  3. The following individuals are not eligible to enter the contest: Employees, directors, and officers of Ashland CU or their immediate family members (defined as spouse, recognized partner, parent, child, sibling and spouse, or "step" of each) and those living in the same households of each such individual.
  4. Submissions must follow certain technical requirements: Submission should be in .jpg, .gif, or .png format and no larger than a four (4) megabyte (MB) file size. The submissions should be at least 72 dots per inch (dpi). Submissions should not have any visible watermarks, signatures, or personally identifiable information such as name or email address.
  5. Once a photo submission has been accepted for entry into the contest, the contestant's first name and last initial may be publicly identified at the sole discretion of Ashland CU. All contestants have the right to request their name not be publicized in connection with their contest submission. Contestant must inform Ashland CU of this wish when registering for the contest.

There will be two rounds of this photo competition.

First Round: In the first round, all qualifying photo submissions will be evaluated by a panel of judges comprised of Ashland CU staff members who will select five finalists to move on to the second round. Finalists will be selected by a tally of votes made by the panel of judges.

First Round Judging Standards
Since the contest is being used to select a template for other members to select from when ordering their own card, judges will be selecting the photos that they believe will appeal to the widest audiences. The members of the judging panel are professionals in the financial services sector and may not use the same types of technical standards that might be customarily used in professional photography contests. By continuing to submit your entry, you recognize that the selection of finalists is the complete and sole discretion of the judging panel's personal opinion.

Second Round: The second round of the contest will begin April 15, 2013 and will conclude on April 22, 2013 at 11:59AM Eastern Time. In the second round, the five finalist images will be posted a) on the Ashland CU Facebook page at, b) on the ACU marketing website at, and c) in public areas of Ashland CU's four branch offices for voting by the general public. The general public will decide the final winner by submitting votes for their favorite image. Votes may be recorded in the following ways:

a) In person at an Ashland CU branch
b) By mailing your name, address, and selection to Ashland Credit Union, 1300 Central Ave, Ashland, KY 41101, or
c) By clicking the "Like" button on the photo of your choice at the Ashland CU Facebook page

Votes will be tallied by counting the number of qualifying votes (or Facebook "Likes") each photo receives during the second round. The winning photo will be the one with the largest number of qualifying votes. Individuals may submit one vote through each voting method. Additional votes received will be disqualified. You do not need to be an ACU Member in order to place a vote.

The photo with the most "Likes" on the Ashland CU Facebook page will be identified as the Grand Prize winner.

The winning entry will receive the Grand Prize: One (1) $50 Visa Gift Card. The winning photo will also be added to the list of available card designs for members to select when ordering their Visa® Debit and Credit Cards through the Ashland CU website for a minimum period of 90 days.

The Grand Prize winner will be notified by email the afternoon of April 22, 2013. In order to receive the gift card portion of the prize, the winner must provide a valid mailing address within one month of receipt of the email so that the prize may be delivered. Ashland CU is not responsible for any problems related to the shipping of the Grand Prize, including, but not limited to theft, delay, damage, or destruction/accidental loss by the shipping carrier. All taxes on or in connection with any prize, and the reporting consequence thereof, are the sole and exclusive responsibility of the winner.

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