Plan for your holiday spending all year long. Budget for your holiday spending with regular contributions to a Christmas Club account throughout the entire year. Get started today to help prepare for the extra spending over the holiday season. Christmas Club Account-at-a-Glance Competitive interest earnings on entire balance $5 minimum deposit to open $10 penalty for early withdrawal or early closing *Account is restricted to six (6) transfers each 4 week period if by preauthorized or automatic transfer, telephone, order or instruction by check, draft, debit card or similar order, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited. Ready to plan for holiday shopping? Open a Christmas Club Account Today!