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Regulation D FAQs

Federal Regulation D places a monthly limit on the number of transfers you may make from your Savings Accounts or Money Market Accounts (MMAs) without your physical presence being required.

  1. Withdrawals from your Savings and Money Market accounts and transfers made between your accounts are unlimited when made under the following circumstances:
  • In person at the branch (including share branches)
  • ATM transactions
  • By mail
  • By mail or Night Drop
  1. Up to six (6) withdrawals or transfers among Savings and 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, automatic, scheduled or recurring transfers
  • Online and Telephone Banking
  • Overdraft from Savings
  1. How to avoid Reg D Fees
  • Keep appropriate balances in your Checking account to reduce the number of overdraft transfers from Savings.
  • Make insurance, utility, or recurring payments electronically from your Checking account instead of your Savings or Money Market account.
  • Set up automatic transfers from your Checking account to other designated accounts.
  1. A complete description of Regulation D is included in the Truth in Savings Disclosure & Account Agreement.  
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