It depends on your bank. My bank used to have that where it was a savings account. You had to add at least monthly and it was automatic from your checking account. At the end of Oct I got the money put in my checking account. When they got bought out that changed. i can still take the money out and have it automatically put in from my checking. i do weekly transfers and never see the money. I actually have two funds for that. one is Christmas and the other a vacation fund. I can't afford much but it helps for both so I don't have to spend too much more and some years I don't at all. Because the money is automatically transfered I get a better interest rate too. it's not much more but that little bit helps. Check with your own bank because even if they don't call it that, you can make your own Christmas Club.

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