Why not start saving for next Christmas, as you will be surprised how quickly the savings can build up.

• A Christmas Club Account may only be opened by WCBCU members by completing an application form. Therefore, a non- member must first join and will be subject to the terms and conditions of membership at the time of joining.

• A Christmas Club Account may be opened by depositing a minimum of £1, either by transfer from any other WCBCU savings account or by cheque, cash or electronic transfer.

• No withdrawals (other than account closure) permitted until November 1^st. From November 1^st to December 31^st there are no restrictions on deposits or share withdrawals.

• The dividend, if agreed by the Board of Directors for the period 1^st October to 30^th September, will be paid to each account holder annually just after the AGM.
  • Members have the choice to transfer the dividend into their other account if they wish.

• Deposits may be made at any time throughout the year either by transfer from any other WCBCU account or by cheque, cash or electronic transfer and the dividend will accrue on these deposits from the date they were deposited.

• Any request to close the account must be made in writing and give 14 days notice before the money can be paid out.

• Only one Christmas Club Account per member is permitted at any one time