Now is a great time to start saving for next Christmas by opening a Christmas Club Savings Account This is an interest accruing account that has no minimum balance and is accessible to withdraw electronically. Terms and Conditions apply. Contact us for more information and to open your Christmas Club account. Ultima Bank MINNESOTA www.ultimabank.com 800-421-2588 Member FDIC Winger Fosston Plummer Bemidji East Grand Forks Gary Now is a great time to start saving for next Christmas by opening a Christmas Club Savings Account This is an interest accruing account that has no minimum balance and is accessible to withdraw electronically . Terms and Conditions apply . Contact us for more information and to open your Christmas Club account . Ultima Bank MINNESOTA www.ultimabank.com 800-421-2588 Member FDIC Winger Fosston Plummer Bemidji East Grand Forks Gary