Limit Your Transfers From Savings

Otherwise, you'll have to come in and do them in person.

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

  • Transfers made using Online Banking
  • 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.