Regulation D defines the types and number of transactions that can be performed on non-transaction accounts (all share and money market accounts).

Specific Regulation D guidelines can be found in our New Account Disclosure, or you may call Member Services at 956-618-7500 (McAllen), 956-969-2595 (Weslaco), or toll-free at 1-800-628-9888.

The federal government’s reserve requirements limit the following electronic transactions on share or money market accounts to six (6) per month:

  • Overdraft protection transfers
  • Pre-authorized electronic debits (ACH)
  • Automated telephone teller transfers
  • CU@home transfers
  •  Pre-authorized automated transfers

Transactions made in person at a credit union office are NOT subject to Regulation D Limitations.

If you use your Share or Money Market accounts as overdraft protection sources please make note that after the 6 transaction limit is reached all further overdrafts will be returned.