Christmas Club Account


Balance Requirement

  • There is no minimum balance requirement to open a Christmas Club account.
  • There is no minimum balance requirement to earn interest on this account.
  • Service Charges During the Activity Period
  • No service charges apply during the activity period.

Compounding and Crediting

  • Interest on Christmas Club accounts is not compounded. Interest is added to the account balance on the last day of the activity period.
  • Accrual of Interest on Non-Cash Deposits
  • Interest begins to accrue on the business day you deposit non-cash items (for example-checks).

Transaction Limitations

  • Withdrawals on Christmas Club accounts are disallowed.
  • Final distributions is the third week of October.

Additional Information

  • The interest rate and annual percentage yield are available at the New Accounts desk.
  • This is not a full disclosure of all terms and conditions of this account. Additional information is available at the New Accounts desk.


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Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact us immediately at 660-848-2244. If your card is lost or stolen over a weekend or after hours, please contact 800-791-2525. We strive to serve you as quickly as possible.