Christmas Club accounts are a popular program and a convenient way for you to build savings for the holidays. Many of our customers have found that very small periodic sacrifices can gain a great benefit later on. New Club accounts are opened beginning the first week in November, in your choice of a $5, $10 or $20 weekly payment programs. These are non-interest-bearing accounts. Early withdrawal or late payment fees may apply. Open your club account and Lawrence Bank will make the final payment for you.