Federal Regulation D, limits the number of times you can transfer funds from your savings account (regular savings, special savings accounts, Money Market and Christmas Savings) to a checking account or other third party, via telephonic instructions or bill payment debits. These transfers include any made through the Transaction Call Center, AMIE (telephone banking), COLTS (online banking), and ACH.

This regulation also includes transfers made due to overdraft protection agreements.

Specifically, you are limited to a combined total of six (6) savings transfers or debits made through the above mentioned delivery channels each calendar month. After you reach a total of six savings transfers or debits in a particular month, no additional transfers/debits will be processed through the above means, even if your savings balance is high. However, you may still visit a branch office or use an ATM to make a transfer.