The Christmas Club is a great way to save money for the holiday shopping season. There is no minimum balance to open the account. Have your money deposited into your account through payroll deduction or through a transaction at your local office. Christmas Club Accounts will automatically transfer over into your Share Savings Account on September 30th of each year. Fees will apply for early withdrawal. After the funds are transferred out, your account remains open so you can start saving for the following year!