After the holidays, maintain the momentum! Avoid the $5 withdrawal fee by simply keeping your Holidays Savings account open and ready to go for next season. Schedule your automatic transfers to restart in July and make a note on July’s monthly budget so you’re not caught off guard. Or, why not keep it going all year long? When that first business day in November rolls around, you’ll be sailing through next year’s holiday shopping without charging a single purchase or paying any interest. Better yet, you’ll be earning interest. Now that’s something to celebrate!