Regulation D

Regulation D Requirements.

Regulation D is a federal law that applies to all federally-insured financial institutions. Regulation D allows a maximum of six withdrawals or transfers per month from your non-transaction accounts such as your savings and/or Money Market Accounts.

Please view the chart below for Regulation D limitations.

  • PhoneTeller or CU OnLine™ transfers
  • Telephone Service Center transfers
  • Overdraft transfers to cover checks
  • Point of Sale (POS) transactions from savings or Money Market Account(s)
  • Overdraft transfers to cover Point of Sale (POS), ATM and Visa® Check Card transactions
  • Checks to a third party—Money Market Account (MMA)
  • Electronic debits—Automated Clearing House (ACH)/Electronic Funds Transfer (EFT)
  • ATM withdrawals
  • In-person (transfers or loan payments)
  • Credit union checks sent to the account holder
  • Mail (transfers or loan payments)

Below are a few tips to help you manage your non-transaction accounts and avoid Regulation D limits:

Within your checking account:
  • Make one large transfer instead of several small transfers. Each transfer (made by calling the Telephone Center, PhoneTeller or using CU OnLine™) counts as one transaction.
  • Keep sufficient balances in your checking account to avoid overdrafts. Every overdraft made from your savings account into your checking account counts as one transaction. You’re only allowed six overdrafts to cover checks, ACH, ATM, POS and Visa® Check Card transactions. After you reach the limit, you may be subject to non-sufficient funds or Courtesy Pay fees.
  • Set up ACH automatic debits with merchants or service providers to come out of your checking account instead of your savings account. Checking accounts are not subject to Regulation D.
Line of credit transfers:
  • Apply for a CU SoCal overdraft protection Line of Credit. Regulation D transfer limits do not apply.
ATM transfers:
  • Perform transfers at an ATM or in person at one of our branch locations.

Please call a Member Service Representative or stop by a branch for more information regarding Regulation D.

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