Federal Regulations limit the number of transactions which may be performed each month on your Share Saving and Money Market Account because it is designated a non-transaction account. You may make no more than six covered transfers or withdrawals per calendar month or statement cycle. The Chart below explains these limitations.

Checking Accounts provide unlimited transactions. These include withdrawals, electronic payments or transfers to other accounts.


Unlimited Transactions Limited to 6 per calendar month
Withdrawal or transfer:
In person request
By automated teller machine (ATM)
By mail
To pay a HRTFCU loan
Withdrawals by check (to self)
In person request
Telephone request
TellerPhone request
Home Banking request
Fax request
By preauthorized transfer to a third party
By preauthorized payment to a third party (ACH)
By preauthorized transfer to member’s non-loan account
By overdraft to checking account
Transfers through home banking
Transfers through TellerPhone
Transfers through a telephone call to HRTFCU, by fax or by e-mail

*A fee of $5.00 per transfer is charged for automatic overdrafts from savings to checking. All subsequent overdrafts in excess of the (6) allowed will be returned for reason of Not Sufficient Funds (NSF).

Helpful Tip: If you set up automatic debits to your account make sure to arrange to have those funds deducted from your checking account which allows for unlimited ACH withdrawals.

New Account Disclosure