＇Saving 一定有 Reg D, 政府规定的 在Covid 期内waived 但巳经恢复了 見内有 link

只有用银行 ATM 或者去银行取钱 和电话银行 cut a check 才沒有限制 ACH, Bill Pay, Debit card, 网银转賬 写支票  这些统共加起來每个 cycle 只能有六次。 你的银行没有告诉你 全部事实．至於你愿意看真正的 FED 规则还是只信你的银行告?你的 Half Truth, 是你的个人选择。

https://www.forbes.com/advisor/banking/savings/regulation-d/

What Is Regulation D?

Regulation D is a federal rule regulating how banks and credit unions manage your savings deposits. Until April 24, 2020, the Federal Reserve’s regulation limited the number of withdrawals you could make from a “savings deposit” account, which included both savings accounts and money market accounts.

Regulation D had required savings accounts to be limited to a total of six “convenient transfers and withdrawals” per month. These included:

• Automated Clearing House (ACH) payments and electronic funds transfers (EFTs)
• Bill payments deducted directly from your savings account
• Debit card transactions
• Overdraft transfers (where you link your savings account to a checking account as a backup for overdrafts)
• Transfers made by computer, mobile device or phone
• Checks written to a third party
• Wire Transfers

There were two major exceptions to Regulation D:

• You could make unlimited withdrawals from an ATM or in person at a bank. (Those transactions were not considered “convenient.”)
• You could make unlimited withdrawals over the phone—but only if the teller cut you a check by mail. (If the bank processed your request online, it counted against your monthly limit.)

Regulation D required savers to be careful about how many transfers or withdrawals they made. If you went over the monthly limit, your bank could potentially charge you a fee per excess withdrawal, close your savings account or convert it to a checking account.