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What is Regulation D?

Reg D is a federal regulation that limits the number of certain transactions that First Nebraska Educators Credit Union may allow a member to make from a share (savings) account.

Monthly Limits for Federally Regulated Transactions

Each month, you are allowed any combination of six (6) Federally Regulated transactions from savings. After six (6) per month, a $1.00 fee will be applied for each additional transaction.

Strategies for Managing Transaction Limits

1. Do not authorize anyone to make ACH withdrawals from your savings account. Instead, set up the withdrawal from your checking account which has unlimited ACH withdrawals.
2. Set up an Overdraft Protection Line of Credit* as the primary overdraft source. Transfers from Overdraft Protection are not regulated.
3. Balance your checking account periodically. This will help limit the number of automatic transfers from your savings account. (FREE Online Banking available.)
4. Plan ahead to either stop by or mail in your transfer request. 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.

^{*Credit qualifications apply.}