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Christmas Club Savings Account

The joy of the Holiday Season comes but once a year, but without a proper strategy for saving, you could end up paying for it all year long. Take away the financial stress with a Christmas Club Savings Account
Calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator or contact your local branch office today. For more information, visit

How It Works
  1. Determine your holiday spending budget
  2. Break up your budget into weekly or monthly amounts
  3. Christmas Club will automatically transfer those amounts from a specified checking account
  4. Your balance will be automatically transferred to your checking account on November 15th

Account Features
  • No minimums
  • Interest paid on average collected monthly balance
  • Enjoy the ease and convenience of automatic transfers
  • Balance automatically transferred to your bank checking account on November 15th
  • Manage your account 24/7 through FREE online banking and Access 24 telephone banking
  • Mobile Banking available on the American River Bank Mobile App

  • No monthly service charge

  1. See our Deposit Account Agreement or Other Service Fees brochure for further information.
  2. Consult a Representative for current interest rates and Annual Percentage Yield information.
  3. Government regulation limits the number of pre-authorized withdrawals from a money market or savings account to 6 per monthly statement period.
  4. $5 fee for each excessive transfer for savings accounts and $10 fee for each excessive transfer for money market accounts. Account is subject to closure upon 3rd instance of excessive transactions in a 12-month rolling period.
  5. There is a $5.00 fee for each transfer.
  6. Savings and money market accounts not tied to a checking account are eligible for an ATM card only. Savings and money market accounts that are tied to a checking account will have access to a debit card.