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If you buy gifts for friends and family at Christmas and don't have a Christmas Club, are you buying those gifts on credit? Just think, you might still be paying for purchases that you made several years ago. Make shopping easier and less stressed by opening your Christmas Club. Use automatic payroll deduction to deposit a small amount each pay check and watch your Christmas budget grow with little effort. Then on October 1st each year, the balance will automatically transfer to your primary share account and will be available for withdrawal, giving you 90 days to complete your shopping.