ChargeFreeSM Checking

Perpetual Christmas Club

Our Christmas Club account allows you to plan ahead for holiday expenses by automatically transferring from your checking account the amount necessary to meet your goal.

The entire savings amount, plus interest, is deposited to your checking account at the end of September each year. Once you open your Christmas Club, you never have to do it again – you’ll maintain the account as long as you keep the account open.

Interest Calculation Method	Simple interest credited to the account annually.
TABS (Telephone Anytime Banking Service) / Internet Banking (Available upon Request)	Yes
Transaction Limitations $3.00 charge per withdrawal in excess of six per calendar quarter.	Six per quarter
Other	Requires automatic deductions from a checking account only.