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Deposit Services FAQs

What is an excessive savings withdrawal fee?

Savings accounts are only allowed 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a $1.00 fee view fee schedule excessive withdrawal fee. This fee can be avoided by withdrawing cash from your savings account at an ATM. ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D.

Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center ALL count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the six as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month.

If your payroll is direct deposited into your savings account, changing it to your checking would give you more flexibility (since there are no limits on withdrawals or transfers from checking).

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