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Regulation D Guidelines

Federal regulation requires us to limit you to six withdrawal transactions on certain accounts. We remind you of the following:

Withdrawals from your savings and tiered money market accounts and transfers made between your accounts are unlimited when made under the following circumstances:

Up to six withdrawals or transfers among savings and tiered money market accounts are permitted each month 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, facsimile (fax)

How to Avoid Regulation D Problems

  • Keep appropriate balances in your checking account to reduce the number of overdraft transfers
    from savings
  • Link your Readi-cash or home equity line of credit loan to your checking account for overdraft
  • Make recurring electronic payments, such as insurance or utility bills, from your checking account instead of your savings or 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