You may transfer funds from your Holiday Wise Club account to your checking account by visiting any branch office or calling our Member Service Center at 1-800-538-3328.  Withdrawals from your Holiday Wise Club account prior to Club year-end on October 31st will be assessed a $5 early withdrawal fee for each early withdrawal. If the account is closed before Club year-end, accrued dividends for the current month will also be forfeited, in addition to the $5 fee.