The Christmas Club account each year starts October 1 of the prior year. You can still open a Christmas Club anytime throughout the year. Deposits can be made in person, by mail or by direct deposit. Funds in the account will transfer to your share draft account on October 1.
Club accounts run from January 1st through December 31st. Two withdrawals per calendar year are permitted without penalty. Deposits can be made in person, by mail, online or by direct deposit.