Federal regulations require American Spirit Federal Credit Union to limit the number of withdrawal transactions on savings accounts or money market accounts during a month. 


During any month, you cannot make more than six withdrawals or transfers to another account through the following actions:                                       

  • Checks                                       
  • Pre-authorized transactions                                       
  • Automatic transfers                                       
  • Transfers made by a member service representative on your behalf                                      
  • Internet Banking                                       
  • Audio response                                       
  • Overdraft from savings                                       
  • Telephone, email or fax The credit union is required to take the necessary steps to ensure that excess transactions do not occur. Transfers/withdrawals in excess of the six per month limit on applicable accounts may be subject to a $20 excessive transaction fee. The following transactions are not affected by Regulation D:                                      
  • ATM transactions                                       
  • Transfers made to a loan                                       
  • Transactions done in person at a branch 


Remember a checking account is always a better option and will help you save – with no fees. Please contact the credit union if you have any questions.