·        Transfers or payments initiated by:

Check or draft to a third party

ACH

Virtual Branch

Bill Pay

Telephone (including MARCIA) 

Fax

E-mail

·        Transfers via phone to other deposit accounts

·        Transfers via fund distribution to other deposit accounts if not done on the same day.

·        Transfers to cover NSF items

Each member is allowed any combination of 6 of the above transactions. After 6 per month, additional transactions will be rejected and NSF fees assessed.

NON REGULATED · Unlimited

·        Any ATM Transactions

·        Any In-person Transactions

·        Any By-Mail Transactions

·        Any Night Drop Transactions

·        Transfers to pay loans at TTCU

·        Withdrawals initiated by phone when a check is made payable to and mailed to the member

·        Transfers to other deposit accounts via funds distribution if done the same day.

Strategies to help manage Federally regulated withdrawals and transfer limits:

1. Do not authorize anyone to make ACH withdrawals from your Savings or Money Market accounts. Instead set up the withdrawal from your checking account which has unlimited ACH withdrawals.
2. Set up a TTCU Overdraft Line of Credit as your primary overdraft source. Transfers from your Overdraft Line of Credit are not regulated. Transfers from your savings or money market account to repay your loan are also not regulated.
3. Balance your checking account periodically. This will limit the number of overdraft transfers from your savings account.
4. Plan ahead to either stop by or mail in your funds transfer requests. These two types of transfers are not limited.
5. Plan ahead and make one larger transfer instead of several small transfers. Each regulated transfer counts as one transaction, no matter what the size.