Skip to content

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

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

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

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

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

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

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

Read More testimonials.
Sorry, content not available.