Due to Federal Regulation D some of your DECU withdrawals and/or transfers will be limited to 6 (six) per month beginning on August 1, 2009.  Withdrawals and/or transfers from your savings and club accounts are affected when the following transactions occur:

·         Transfers made using Online Banking

·         Transfers made using Audio Response

·         Overdraft Transfers (made automatically to cover insufficient funds in other accounts)

·         Pre-Authorized, automatic, scheduled or recurring transfers or withdrawals

Each transfer and withdrawal listed above counts as one transaction, and you may have 6 (six) on each account during a calendar month.  When you have reached your Regulation D transaction limit, any further Regulation D withdrawal or transfer attempt will not be processed.

Transactions that are not affected by the regulation include:

·         ATM transactions

·         Transfers made to your DECU loans

·         Transactions done in person

·         Transactions sent in by mail or placed in a DECU Night Drop

·         Any transactions that post to your checking account

Here are some tips that you can follow to avoid the Regulation D limits:

·         Plan ahead and make 1 large transfer instead of several small transfers

·         Have your payroll deposited into your checking account instead of your savings account

·         Do not setup ACH automatic debits with merchants or service providers to come out of your savings account

·         Visit a DECU branch, either in person or drop a note in the DECU Night Drop to have transfers performed

·         Balance your checkbook regularly to help limit the number of overdraft transfers

·         Apply for a line of credit loan in case you need an extra overdraft transfer

Please call any DECU Member Service Representative at 217-872-4188 if you have any questions.