The Christmas Club

A worn farmhouse kitchen table in grey December light with an open savings passbook, a dark cast-metal rearing horse bank, coins, a pencil, kraft paper and red-and-white twine

Carlisle, Pennsylvania · December 1909

The Christmas Club

Three shoe factory workers asked their bank for a way to put a little aside every week, so that December would already be paid for. The bank said yes, and banks across the country followed. This is where the money went.

Open the passbook39 pieces and a gift card · from $15

About 350 people joined the first year. They saved twenty-eight dollars each.

The story

In December 1909, three men from a Carlisle shoe factory came to Merkel Landis, treasurer of the Carlisle Trust Company, and asked to open a savings account together. They wanted to pay into it a little at a time, all year, and take it out before Christmas.

Landis opened the account. The following week the bank announced a Christmas Savings Club to the whole town and advertised it in the local papers. Banks across the country copied it, and for most of the century a Christmas Club passbook lived in a kitchen drawer, filled in a few coins at a time.

It was a small, patient way of giving. The presents were chosen long before December, and paid for by the time they were wrapped. The pieces below follow the money through one club year, from the first deposit to Christmas morning.

PASSBOOK No. 0001AN EXAMPLE

Christmas
Savings Club

TALLMADGE AVE · BRYN MAWR, PA

WEEKDATEDEPOSIT
01Jan 05$1.52
02Jan 12$1.52
03Jan 19$1.52
17Apr 27$1.52
33Aug 17$1.52
50Dec 14$1.52

BALANCE $76.00PAID IN FULL

How the club counted: the horse bank, at $76, is fifty deposits of $1.52.
An open wooden kitchen drawer holding twine, a 1958 parish calendar, scissors, a ruler and a rubber-banded stack of navy Christmas Club passbooks
Every house had a drawer where the passbook lived, under the string and the church calendar.
A child's hand in a knit sweater cuff dropping a coin into a vintage horse bank on a frosted windowsill
The first deposit went in the week after New Year’s.

I · January to November

Fifty Weeks

Most clubs ran about fifty weeks. The first deposit went in after New Year’s, the last one before Thanksgiving, and nobody touched it in between. These are the things that sat on a dresser that whole time.

Vintage cast-metal rearing horse bank with a dark patina

No. 01 · To begin, a bank

Vintage Cast-Metal Rearing Horse Bank

A coin slot, a dark patina, and a horse that has been standing on its back legs for longer than anyone in the house. The first deposit always went somewhere like this.

$76
See the piece

II · November

Meet me at the Eagle.

At the end of the year the club paid out. On the Main Line that meant the train into Center City and a walk to Wanamaker’s, where the whole city met under the bronze eagle in the Grand Court. August Gaul made it for Germany’s exhibit at the 1904 St. Louis World’s Fair, and John Wanamaker bought it when the fair closed.

Down Market Street, Gimbels had started the city’s Thanksgiving parade in 1920. It ended with Santa climbing a fire ladder into the eighth-floor toy department. Every city had its store. In Detroit it was Hudson’s, twenty-five stories, the tallest department store in the world until 1961.

1904The eagle is cast for St. Louis

2,500Pounds of bronze, give or take

1920Gimbels’ first parade on Market Street

Blue-and-white porcelain half-wrapped in brown paper on a kitchen table, with red twine, scissors and a handwritten gift list
The list was written in March. The wrapping happened the second week of December.

III · The second week of December

Wrapping Night

The small ones went into stockings or under the tree with a tag in pencil: something red for the kitchen, something for the windowsill, something for the man who had his own mug.

A den at dusk with a framed Santa painting by the fireplace, brass candlesticks on the mantel, brown-paper parcels on an oriental rug and a dog asleep by the embers
The den, the week before. Nobody was allowed to shake anything.

VII · The whole balance

The One Big Present

Some families spent the whole check on one thing. It was decided in spring, talked about all summer, and wrapped last. A Grandma Moses print is here too: her great-grandson Will painted the parade in chapter II, and in 1947 her Sugaring Off became a bestselling Hallmark Christmas card.

The front room on Christmas Eve at blue hour: a green velvet armchair holding one box wrapped in brown paper and red string, a dark mirror reflecting tree lights, snow outside tall windows

The last deposit

Opened in January.
Spent in December.

Every piece is one of one, wrapped by hand in Bryn Mawr and shipped free anywhere in the U.S.

Shop the Christmas Club
Tallmadge Ave · Vintage art and furnishings · Bryn Mawr, PA Sources: Hidden History of Cumberland County; Library of Congress; Association for Public Art; Detroit Historical Society; Grandma Moses (Wikipedia)