• To open a Christmas Saver account you must have an existing Hoot Regular Savings Account.

• If you are already a Hoot member with a Regular Savings Account email enquiries@wisewithmoney.org.uk for more information.

Not got a Hoot account? Don’t worry you can open one here

Or email enquiries@wisewithmoney.org.uk to ask about the Christmas Savings Account

• The Christmas Savings Account is only available to existing Hoot Credit Union members and may be opened by contacting the office by telephone or by completing a Christmas Savings Club Application Form.
• Savings can be paid into the Christmas Savings account throughout any given calendar year.
• The Christmas Savings account is locked until mid November at which point savings can be withdrawn. Requests to withdraw Christmas Savings before the unlock date subject to approval.
• Lump sum deposits may be made at any time into the Christmas Savings Account subject to any applicable limits and can be made by cash deposit, bank transfer or debit card. Deposits may be subject to Money Laundering Verification.
• A member’s collective savings balance cannot exceed £15,000 or any such limit declared by the credit union in accordance with regulatory limits.
• We regret that we cannot accept personal or third party cheques as deposit. Cheques from approved organisations made out to the member are accepted and require ten days clearance from the date of deposit.