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Christmas Club

At JD Bank, we have a gift for you! With a JD Bank Christmas Club Account, the expense of gift-giving will never catch you by surprise. 

Apply at any JD Bank Branch Today!
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HOW DOES IT WORK?

Starting November 1st, make weekly transfers from your checking or savings account and deposit it into your
JD Bank Christmas Club Account. On October 31st, that money is transferred back into your checking or savings account just in time for your holiday shopping. 

AND, if you make all weekly deposits to your JD Bank Christmas Club Account, we will give you one matching deposit equal to your weekly deposit amount over the last year (maximum matching deposit of $200).

CHRISTMAS CLUB SCHEDULE

10.28.25  – Last Christmas Club Transfer for 2025 qualifying cycle

10.29.25 –  Qualifying free payment issued

11.01.25  – Christmas Club Payout (system will process payout the night of 10/31 and will be in presentments and available on Saturday, Nov 1st)

11.01.25  – Annual Statement produced

11.03.25 –  New Christmas Club account must be opened before 11.03.25 to qualify for the 2026 free payment

11.04.25 –  1st transfer for 2026 Christmas Club- (First Tuesday of November)

11.17.25 – Last date allotted for changing transfer amount on existing club accounts (Third Monday of November).

CHRISTMAS CLUB FAQs

Can customers open a new Christmas Club at any time? 

A new Christmas club account can be opened now, but the customer’s first transfer date should start on 11.04.25. If a new Christmas club is opened after this date, it will not qualify for a free payment. There are no blackout dates to open a new Christmas club.

Does transfers have to be weekly? 

Yes, we only allow weekly transfers on Christmas Club accounts.

Can a customer make a transfer change now?

The timeframe to make a transfer change is after the payout has been issued (10.30.25) until the 3rd Monday in November (11.17.25). Free payment is still eligible.

Can the customer make an extra deposit into their Christmas club account?

Yes

Can a customer make a withdrawal from their Christmas club account?

No, the account must be closed if the customer wants to do a withdrawal.

TERMS OF THE JD BANK CHRISTMAS CLUB:
  • Automatic deposits MUST be setup up to withdraw from your checking or savings weekly.

TO QUALIFY FOR THE MATCHING DEPOSIT:

  • Account must originate on or before November 1st**.

  • Matching deposit not to exceed $200. 

  • Deposits MUST be made weekly to qualify for the matching deposit, no “catching up” on missed payments.

  • All matching payments and balances will be paid on October 31st of each year.

  • Withdrawals from account are not allowed during the year. Any withdrawals will result in the closure of the account.

**NOTE:

A customer must open a Christmas Club Account on or before the first day of November. To receive a Matching Deposit from JD Bank, all weekly payments must be made to qualify, otherwise the Christmas Club account will not  receive a Matching Deposit.  Catch-up payments are not permitted. The Internal Revenue Service defines the Matching Deposit as interest.