We all inherently have a longing to be a part of something, to make a difference, to be a change agent. Maybe it’s as grandiose a desire as belonging to something that will affect or even change the world, or maybe it’s just a desire to belong to a small, local organization or club.

When I was just a young man of say seven or eight, I wanted to be part of a club.  I wanted to have a clubhouse with a homemade sewn flag flying high atop.  I wanted to hold meetings and to enjoy the fellowship of my peers concerning important childhood issues of the day like where we were riding our bikes to, what sports were we going to play that day, or just a place to try out new toys or read comic books.

If you’re old enough to remember then, you will recall the Little Rascals and “The He-Man Woman-Haters Club.”  I thought their clubhouse and their mission was just about the greatest thing ever. But I grew up (sometimes debatable), dated, and eventually got married thankfully making me ineligible for the “He-Man Woman-Haters Club.”

But I continued to be barraged with invitations to real clubs through the years.  Service clubs, school clubs, and even buyer’s clubs all clamored for my attention and my commitment.  Does anyone remember the Columbia House or BMG Mail-Order Music Clubs?  Were you a member?  I was!  On multiple occasions through the years in fact.  I mailed in my 1 cent for 12 cassettes and later 8 CD’s with the agreement to buy the required amount at regular club prices.  And just like many others, I ended up as a 14-year-old with no job and a bill my parents had to bail me out of, but I was part of a club.

Though not as inexpensive as a one cent mail-order music club, you don’t need much to be a part of our club at First National Bank of NWA.  With as little as $5 you can be a Christmas Club account holder!  Ok, so maybe I’ve left you feeling a bit dissatisfied and slightly disappointed after hearing about fictitious clubs and one cent mail-order music clubs, but this club can produce a nice holiday bonus for you with a little discipline and some planning.

It can be a fun club to be a part of, but like all clubs; there are a few rules to follow after you open your Christmas Club account so spare just a few seconds to review them:

The first rule of Christmas Club – you do not talk about Christmas Club.
Second rule of Christmas Club – you do not talk about Christmas Club!
Third rule of Christmas Club – add money to your Christmas Club account throughout the year.
Fourth rule of Christmas Club – It is a non-interest bearing account; don’t ask for or expect any interest
Fifth rule of Christmas Club – we will mail you a check after October 31st for the full amount in your account.
Sixth rule of Christmas Club – if you need to withdraw your funds before October 31 you will have to withdraw your entire fund at that time and close out the account.

So start small (just $5).  Think big.  Or just be realistic.  If you don’t have the minimum IQ (132) to join the Mensa Society club or the deep pockets to join The Core Club in New York ($50,000 registration fee and $15,000 annually), then January may be the perfect time for you to become part of the FNBNWA Christmas Club.

A fresh year is upon us, and endless possibilities and opportunities lie before us all.  Think about joining the FNBNWA Christmas Club this month and become a part of a bigger club – our bank.  Get to know the bank and our bankers and be more than just a member with a Christmas Club account.  If you’re not a member of our bank, please give us a try.  If you’re already a member, thank you, and make sure you introduce yourself to us so that we can help you with whatever needs you may have.
And if you don’t know where to start, come find me at our Pinnacle location in Rogers.  I might not have all the answers, but I can help you get started, and for the month of January I’ll be like rapper 50 Cent – “you can find me in the club,” the Christmas Club.

kylekerwinKyle Kerwin, his wife Rebekah, and their daughter Caroline have called NW Arkansas home since 2001.  He is a front runner so you will find him cheering for the Razorbacks, OU Sooners, and OSU Cowboys at various times throughout the year depending upon how they’re doing.  Kyle enjoys playing golf, reading, writing, watching sports, and he and his family are active members of Keypoint Church.  He doesn’t owe Columbia House any money, is not related to 50 Cent, nor ever been in a street gang (that we’re aware of), and though he never speaks of it, he and his family are members of the FNBNWA Christmas Club.