Are you tired of holiday bills? There's an alternative. Plan now for next year by opening a Christmas Club account. Through payroll deduction or direct deposit you can add to your Christmas Club account on a regular basis and have the funds set aside for all our holiday spending. The balance in your Christmas Club account will be available for withdrawal between November 1 and January 31 with no fee. Your account earns a dividend which is compounded and paid quarterly on your average daily balance as set forth in the Truth-In-Savings Disclosure. Your Holiday Season will be a lot brighter knowing your bills are covered! .