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Holiday Club Account

Give yourself a stress-free holiday

The Holiday Club account is the perfect way to pay for your holiday shopping season

 

 

Take your next holiday season to the next level

 

 

 

Earn as much as
Rate

1.00%APY balances from $0.01 to $1,500.00

0.25%APY balances over $1,500.01

 

 

Customize your payout

 Set your automatic transfers in line with your holiday club goal and receive your payout automatically on November 1

 

 

 

Set, forget, and earn

Transfer funds from your paycheck or another account automatically on a schedule of your choice

 

 

Increase your earnings

Go beyond the competition with higher paying dividends (banks call this interest)

 

 

 
 
 
 

 

Get Fast Answers To Your Questions

 

Find A Branch To Get Started

 

  Call Us: 601-649-7181

 

 

Transaction Limits

What Account Types Are Affected?

 

  • Share Savings Account
  • Holiday Club Account
  • Money Market Account
What Transactions are Subject to Limits?

 

Preauthorized or automatic electronic withdrawals such as phone and utility bills. Also, transactions done using online (PC & mobile) and phone transfers using e-Phone, fax, or by calling our Contact Center. This applies when funds are coming from an account type listed above.

 

Applies whether:

  • The funds are being transferred to another account.
  • The funds are being sent to a third party via preauthorization, Bill Pay, or wire transfer.
  • The funds are being automatically transferred from a Share Savings to a Share Draft Checking to cover an overdraft.
  • The funds are a scheduled transfer that was set-up by account holder in home banking
What Transactions are Not Affected?

 

  • Transactions from an account type noted below that are completed in-person at a branch or Shared Service Center
  • Transactions made using an ATM
  • Transfers from an account type noted below that are being applied to a loan account
  • Automatic payroll allocations
  • Any Share Draft Checking Account transaction
  • Transactions completed by mail
  • Transactions made by telephone, fax, PC, or mobile device – if it is an official check payable to the member that is mailed to the member

 

Affected Account Types:

  • Share Savings Account
  • Holiday Club Account
  • Money Market Account
What Happens When the Reg D Limit is Reached in a Calendar Month?

 

Once you have reached the six (6) allowable transactions in a calendar month, you will not be allowed to make further transfers/withdrawals from the affected account unless they are made in person at a branch location, Shared Service Center or at an ATM.Transaction attempts from an account type noted above will be declined, unless in-person or at an ATM.

 

HELPFUL TIPS

 

  • Have preauthorized payments (such as phone & utility bills) automatically deducted from a Share Draft account, not a Share Savings account.
  • Make one large transfer to your Share Draft Checking to cover anticipated usage, instead of making many small transfers throughout the month.
  • Visit a branch or ATM location to make withdrawals or transfers.
  • Balance your Share Draft Checking to avoid overdraft transfers from your Share Savings account.
  • Apply for a Line of Credit to use as overdraft protection.
  • Open a Checking Account. Share Draft accounts are not subject to Reg D restrictions.
Quick Transaction Guide

 

LIMITED TRANSACTIONS:

Up to six (6) preauthorized or electronic transactions permitted per calendar month from a non-transaction account.

 

Non-transaction accounts are:

 

  • Share Savings
  • Holiday Club
  • Money Market

 

Transactions done using online (PC & mobile) and phone transfers using Cloud mobile dervices or by calling our Member Service Department from an account type listed above.

 

This rule applies whether:

 

  • Funds are being transferred to another account
  • Funds are being sent to a third party via preauthorization, Bill Pay, or wire transfer
  • Funds are automatically transferred from a Share Savings to a Share Draft Checking to cover an overdraft
  • Funds are scheduled transfers set-up in home banking

 

UNLIMITED TRANSACTIONS:

 

  • Made in person
  • Made using an ATM
  • Made by a letter request (considered the functional equivalent of being physically present)
  • Made by telephone, fax, PC, or mobile device – if it is an official check payable to the member that is mailed to the member
  • Made by the member to pay a loan the member has with the credit union (including MasterCard)

 

Qualifying required for membership. APY = annual percentage yield. All deposits subject to terms listed in Sunbelt's Rates & Services form. 

 

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Sunbelt is changing the way you bank.  As a not-for-profit financial institution, owned by its members, the most powerful driving force is your voice

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