At my prior bank, we paid out our Christmas Club accounts on 10/31 each year by check or transfer to a specified account. The account remained open until January 31. If any deposit was made into the account between 11/1 and 1/30, the account remained active. If no deposit was made, the account closed 1/31. Customers loved it and we saved alot of wasted time at the new account desk.
Life without Jesus is like an unsharpened pencil - it has no point.