Holiday Helper
Plan ahead with an interest-bearing holiday savings account.
What is a Holiday Helper Account?
Also known as a Christmas Club Account, our Holiday Helper Account allows you to set aside individual contributions or make automatic monthly deposits throughout the year, earning interest on your balance.
You can open your account at any time—the earlier in the year, the better! In October, we’ll either cut you a check or deposit your funds directly into your Field & Main Checking or Savings Account—just in time for hassle-free holiday shopping.
What are the benefits of a Holiday Helper Account?
Save money
- No monthly service fee
- Low, $5 initial deposit
- Earn interest on your balance, paid in full at maturity
Convenience
- Your balance—plus interest!—can be automatically deposited into your Field & Main Checking Account or Savings Account in October
- Easy transfers from your Field & Main Checking Account to help you grow your holiday savings faster
- Free online banking and mobile banking with mobile deposit for easy deposits and account management
- You cant withdraw before October. If you withdraw before, there will be a $10.00 fee, and the account is closed for the season.
Peace of mind
- Rest easy knowing you have money saved for the holidays
- Set up automatic transfers from your checking account to easily keep your holiday savings plan on track.
For more benefits and details about our Holiday Helper Account, check out our post, Have Questions about Holiday Helpers?.
Contact Field & Main Bank to Learn More About our Holiday Helper Account
Looking to open a holiday savings account with great interest rates? Visit one of our banking centers in Henderson, Lexington, Cynthiana or Evansville to get started today!
Explore Our Other Savings Account Options:
Simple Savings Account – A simple way to save with low fees and competitive interest.
Money Market Account – A high-yield account for the seasoned saver.
Certificate of Deposit – Earn more with this high-yield savings tool.
Savings Accounts FAQs
No matter what your goals are, saving should be simple. Below are some answers to the most common questions we receive about savings accounts.
Do savings accounts cost money, or, are there fees?
To avoid any fees, you simply need to keep a balance of at least $100 in your account and be sure to not make withdrawals more than six times per month. A maintenance fee of $1.00 will be imposed every month if the balance on the account falls below the $100.00 minimum. Savings accounts must have fewer than 6 withdrawals or transfers a month. An excess withdrawal fee of $2.00 will be charged for each withdrawal in excess of 6 per month.
Do savings accounts offer check writing capabilities?
Our Money Market accounts offer check writing capabilities, but our Simple Savings and Holiday Helper do not.
Do you offer a savings account for kids, or a young savers account?
We do not offer a young savers account; however, our Simple Savings Account is perfect for kids who are savvy savers! A minimum of $25 is required to open the account, and after the first month, a $100 minimum is required. A maintenance fee of $1.00 will be imposed every month if the balance on the account falls below the $100.00 minimum.
How many withdrawals are allowed per month?
You are allowed 6 withdrawals per month from your savings account. After 6 withdrawals, there is a $2 fee per withdrawal. The 6-withdrawal limit would include any automatic payments that are set up, debit card transactions, and automatic funds transfers or sweeps into another account.
Will the interest rate change on my savings account? What is the rate?
Our rates are subject to change at any time. Please call a Relationship Banker for the latest savings rates.
How is interest paid?
Interest will be compounded monthly and credited to your account monthly.
Can I get a debit card with a savings account?
You may have a debit card with our Simple Savings or Money Market accounts which you can also use to withdraw from an ATM. Keep in mind however, that any time you use your debit card it counts toward the 6-withdrawal limit for savings and Money Market accounts.
Can I set this account up to cover my checking account in case of an overdraft?
Yes, there is a simple agreement we will need you to sign to get this set up. Keep in mind however, that any time you use your debit card it counts toward the 6-withdrawal limit for savings and Money Market accounts.
Start Saving Simply
Field & Main Bank® was designed to feel different. Because of that, setting up your savings account is effortless and streamlined. So give us a call at 1-888-831-1500, come in and see us, or contact us!
