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Possible Answers:
ERNIE.
Last seen on: USA Today Crossword – Nov 4 2022
Random information on the term “ERNIE”:
A prize-linked savings account or PLSA (also called a lottery-linked deposit account) is a savings account where some of the interest payment on bank deposits or marketing dollars are distributed as prizes based on chance. They are attractive to consumers as they function both as a sweepstakes or game of chance (as there is a chance of a large prize) and as savings vehicle (the deposit is never lost, unlike normal lotteries). PLSAs are similar to lottery bonds except they are offered by banks, credit unions, prepaid card companies, and financial technology companies, and can be held for a period of time determined by the consumer. Sometimes the returns are in-kind prizes rather than cash.
PLSAs have attracted customers who were previously familiar with only raffles or lotteries, but were interested in receiving guaranteed saving security as well as an attractive incentive in the form of lotteries.
The PLSA program in Michigan, USA, “Save to Win”, was introduced in 2009 as a full scale demonstration by Commonwealth (formerly D2D Fund Inc.), Filene Research Institute, and the Michigan Credit Union League following research by Peter Tufano from Harvard Business School, who co-founded Commonwealth in 2001. During this research, 56% of the participants were non-savers before the program.