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Transaction Limits

When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.

What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.*

Deposits

Transaction Limits by Month Checking Savings Money Market
In Person unlimited unlimited unlimited
By Transfer (i.e., direct deposit of payroll or Social Security) unlimited unlimited unlimited
By Mail unlimited unlimited unlimited

Transfers Between Accounts at the USSFCU

Transaction Limits by Month Checking Savings Money Market
In Person (or by messenger) unlimited unlimited unlimited
At an ATM unlimited unlimited unlimited
By Mail unlimited unlimited unlimited
Pre-Authorized or Automatic Withdrawals unlimited six six
By Pre-Authorized Transfer to pay a USSFCU Loan (incl. Visa, Mortgage, or Credit Union fees) unlimited unlimited unlimited
Through the Internet (CU AnyHour+) unlimited six six
By Automated Phone System (TeleAction) unlimited six six
By Phone Contact to a Telephone Representative unlimited six six

Transfers to Third Parties

Transaction Limits by Month Checking Savings Money Market
By Check or Share Draft unlimited n/a six
By Debit Card/Check Card unlimited six six
By Automated Phone System (TeleAction) unlimited six six
By Phone Contact to a Telephone Representative unlimited six six
By Pre-Authorized Transfer (ACH) or Automatic Transfer unlimited six n/a
Using Bill Pay unlimited six six
By Fax unlimited six six

Withdrawals

Transaction Limits by Month Checking Savings Money Market
In Person unlimited unlimited unlimited
At an ATM unlimited unlimited unlimited
Through the Internet (CU AnyHour+) with the check or share draft made payable to the member and mailed to his or her address. unlimited unlimited unlimited
By fax with the check or share draft made payable to the member and mailed to his/her address. unlimited unlimited unlimited
By telephone with the check or share draft made payable to the member and mailed to his/her address unlimited unlimited unlimited

*The Credit Union may require a member to give at least 7 days' notice before funds can be withdrawn — transaction restrictions as imposed by Regulation D.

Check Rates

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

Very personable, solution based and takes an interest in your situation.

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

The credit union provides relatively good services and the security updates to the system are noticeable.

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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