Skip to content


Does holiday spending stress you out? Have an even happier, more relaxed holiday with a savings account that helps you set money aside throughout the year.

Key Features

  • Competitive Interest
  • No Monthly Fees

What is a Christmas club savings account?

This type of savings account helps you plan for holiday spending. Set up weekly, bi-weekly, or monthly transfers from your checking account. You’ll earn interest on your deposits, and, in November, we’ll automatically send you a check or transfer your Christmas Club balance into your checking account. Then you’re all set to buy gifts, decorations, or plan travel and parties. Saving for the holidays helps you stay on budget and out of debt. It also reduces your stress during the season because you can get a head start on purchases. Early withdrawals from a Christmas Club account are subject to a penalty fee.

Benefits of a Christmas Club Account

This basic savings account is a traditional favorite for a reason:

  • Save throughout the year for the holiday season
  • Earn a competitive interest rate
  • No monthly maintenance fees
  • Avoid holiday-induced debt, keeping the holidays enjoyable
  • Make deposits in any amount or set up automatic transfers for easier savings
  • Funds available in November
  • No minimum deposit to open

Open A Christmas Club Account

Since 1898, West Shore Bank has been committed to helping the people and businesses along the lakeshore to improve their financial well-being. Visit one of our nine locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.

Apply now to open a basic Christmas Club savings account and get started on your holiday savings goal today!