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Regulation D Guidelines

You are limited to six withdrawals and/or transfers from tiered money market accounts each month. Withdrawals  and transfers made between your accounts are unlimited when made under the following circumstances:

Up to six withdrawals or transfers per tiered money market account are permitted each calendar month at no charge in any of the following combinations, when payable to a third party or to another account owned by you:

  • Checks or similar orders
  • Pre-authorized or automatic transfers
  • Automated Clearing House (ACH)
  • Internet Banking and Mobile Banking
  • Audio response (MAGIC)
  • Overdraft from savings
  • Telephone, email, or fax
If the withdrawals or transfers within a calendar month exceed an aggregate of six transactions, a fee is assessed for each withdrawal or transfer in excess of the permitted six.

How to Avoid Regulation D Problems

  • Make recurring electronic payments, such as insurance or utility bills, from your checking account instead of your tiered money market account
  • Set up automatic transfers from your checking account to other designated accounts
  • Set up a Regulation D alert within CUAlerts to keep track of transactions that count toward your monthly limit