{"id":23508,"date":"2026-03-04T19:16:28","date_gmt":"2026-03-04T19:16:28","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23508"},"modified":"2026-03-04T19:16:30","modified_gmt":"2026-03-04T19:16:30","slug":"regulation-d-and-savings-account-withdrawal-limits-heres-what-changed","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23508","title":{"rendered":"Regulation D And Savings Account Withdrawal Limits \u2013 Here&#8217;s What Changed"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            NoSystem images\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_0735b8d430f2eafcf345c79d03c1af14\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Federal Reserve eliminated the six-withdrawal limit on savings accounts in April 2020, giving consumers unlimited access to their money \u2014 at least on paper.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Here\u2019s the catch: Many banks still restrict withdrawals to six per month even though they\u2019re no longer required to by federal law.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Banks that maintain limits typically charge $5-15 per excess withdrawal and may convert your account to checking if you repeatedly exceed the limit.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            If you need frequent access to your savings, switch to a bank that eliminated withdrawal limits entirely or use a high-yield checking account for transactions.&#13;<br \/>\n&#13;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<p>Regulation D used to limit savings account withdrawals to six per month. The Federal Reserve scrapped that rule in April 2020. But many banks pretended nothing changed and still enforce the old six-withdrawal limit \u2014 because they can.<\/p>\n<p>Here\u2019s what you need to know and how to avoid getting hit with unnecessary fees.<\/p>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is Regulation D?\" data-outcome=\"\">What is Regulation D?<\/h2>\n<p>Regulation D was a Federal Reserve rule that required banks to maintain reserves against certain types of deposits and limited \u201cconvenient\u201d withdrawals from savings accounts to six per statement cycle.<\/p>\n<p>The rule distinguished between two types of accounts:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Transaction accounts (checking):<\/strong> Designed for unlimited daily transactions like paying bills, writing checks and making purchases.<\/li>\n<li>\n<strong>Savings deposits (savings and money market accounts):<\/strong> Intended for accumulating money, with limits on how often you could move money out electronically.<\/li>\n<\/ul>\n<p>The six-withdrawal cap applied specifically to \u201cconvenient\u201d transactions \u2014 things like online transfers, bill pay, automatic payments and debit card purchases. In-person withdrawals and ATM transactions were always unlimited.<\/p>\n<p><strong>Why the limit existed:<\/strong> The Federal Reserve used reserve requirements as a tool to control monetary policy. By limiting withdrawals on savings accounts, regulators helped banks maintain predictable cash reserves and drew a clear regulatory line between checking (reservable) and savings (non-reservable) deposits.<\/p>\n<h2 data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The 2020 rule change: What actually happened\" data-outcome=\"\">The 2020 rule change: What actually happened<\/h2>\n<p>In April 2020, as the pandemic hit, the Fed reduced bank reserve requirements to zero and deleted the six-transaction limit from the regulatory definition of \u201csavings deposits.\u201d The goal was to give Americans more financial flexibility during economic uncertainty.<\/p>\n<p>The Fed has confirmed this change is not temporary. Reserve requirement ratios remain at zero as of 2026, and the Board does not have plans to reimpose transfer limits.<\/p>\n<div id=\"block_b0a4ae6b006af4f6b72f62e2f85b39ce\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    What changed:<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Banks are no longer federally required to limit withdrawals<\/li>\n<li>The regulatory distinction between savings and checking accounts blurred<\/li>\n<li>Consumers theoretically gained unlimited access to savings<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    What didn&#8217;t change:<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Banks can still impose their own withdrawal limits if they want<\/li>\n<li>Many banks kept the six-withdrawal restriction in place<\/li>\n<li>Excess withdrawal fees remain common<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"types-of-transactions\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Which transactions count toward withdrawal limits?\" data-outcome=\"\">Which transactions count toward withdrawal limits?<\/h2>\n<p>If your bank still maintains withdrawal restrictions, these are the transactions that typically count \u2014 and don\u2019t count \u2014 toward your monthly limit.<\/p>\n<h3><strong>Limited transactions (count toward six):<\/strong><\/h3>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Electronic transfers<\/strong> such as online bill pay, automatic transfers between accounts and transfers via mobile banking apps.<\/li>\n<li>\n<strong>Outgoing wire transfers<\/strong> from your savings account to other banks or individuals.<\/li>\n<li>\n<strong>Debit card purchases<\/strong> on money market accounts (savings accounts rarely offer debit cards).<\/li>\n<li>\n<strong>Automated payments<\/strong> set up through your bank\u2019s bill pay service or third-party services like Zelle.<\/li>\n<li>\n<strong>Overdraft protection transfers<\/strong> from your savings account to cover checking account overdrafts. <\/li>\n<\/ul>\n<h3>\n<strong>Transactions that typically don\u2019t count toward limits<\/strong>:<\/h3>\n<ul class=\"wp-block-list\">\n<li>\n<strong>ATM withdrawals <\/strong>and in-person teller transactions are generally exempt from withdrawal limits, even at banks that maintain restrictions. You can withdraw cash at ATMs or visit a branch without affecting your transaction count. <\/li>\n<li>\n<strong>Direct deposits <\/strong>and incoming transfers don\u2019t count since they add money to your account. <\/li>\n<li>\n<strong>Interest payments <\/strong>and other bank-initiated transactions are also excluded. <\/li>\n<li>\n<strong>Account-to-account transfers<\/strong> within the same bank may be treated differently depending on the institution, so check your bank\u2019s specific policy.<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Savings Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 20.985h.183l-.006.015a6.597 6.597 0 0 0 3.96-1.346c.161-.123.317-.252.468-.389A6.81 6.81 0 0 0 19 14.086c0-3.706-2.986-6.728-6.724-6.873a6.191 6.191 0 0 0-1.721.134L9.338 6.263a1.01 1.01 0 0 0-1.074-.182 1.122 1.122 0 0 0-.453.364 1.18 1.18 0 0 0-.223.575L7.4 8.894a6.888 6.888 0 0 0-1.998 2.864h-.86c-.298 0-.541.262-.541.582v3.828c0 .32.585 0 .882 0l1.046 1.36a6.99 6.99 0 0 0 3.162 2.82c.919.435 1.917.65 2.91.637Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M10.63 8.72a5.942 5.942 0 0 0 6.167 5.93 6.597 6.597 0 0 1-2.317 2.927 6.603 6.603 0 0 1-3.956 1.179 6.647 6.647 0 0 1-3.394-.86 6.705 6.705 0 0 1-2.495-2.45.604.604 0 0 0-.525-.304H2.717v-3.6h.875a.605.605 0 0 0 .579-.418A5.927 5.927 0 0 1 6.263 8.21a.616.616 0 0 0 .244-.426l.235-2.267L8.348 6.84c.152.122.357.175.548.122a6.188 6.188 0 0 1 2.053-.16 5.908 5.908 0 0 0-.319 1.917Zm.867-3.084a7.796 7.796 0 0 0-2.617.079L7.51 4.58a1.206 1.206 0 0 0-1.72.19c-.136.168-.22.373-.25.601l-.22 2.032a7.07 7.07 0 0 0-2.154 2.922H2.11a.61.61 0 0 0-.609.608v4.817a.61.61 0 0 0 .609.608h1.658a7.874 7.874 0 0 0 1.885 2.02l-.516 2.073a.606.606 0 0 0 .442.738c.045.016.099.016.144.016v.007c.274 0 .525-.19.594-.464l.418-1.683a7.906 7.906 0 0 0 3.775.907h.205l.008.008a7.815 7.815 0 0 0 3.626-.9l.414 1.66c.076.282.32.465.593.465v-.008c.046 0 .1 0 .145-.015a.606.606 0 0 0 .441-.738l-.512-2.054a7.843 7.843 0 0 0 2.658-3.72.602.602 0 0 0 .03-.222A5.947 5.947 0 0 0 22.5 8.72a5.942 5.942 0 0 0-5.935-5.934 5.938 5.938 0 0 0-5.068 2.85Zm.35 3.084a4.721 4.721 0 0 1 4.718-4.717 4.721 4.721 0 0 1 4.718 4.717 4.721 4.721 0 0 1-4.718 4.718 4.721 4.721 0 0 1-4.717-4.718ZM7.534 11.27a.916.916 0 0 1-.913-.913c0-.502.411-.913.914-.913v.008c.502 0 .912.41.912.913 0 .502-.41.913-.913.913v-.008Zm7.784.206h.64v.289a.61.61 0 0 0 .608.608.61.61 0 0 0 .609-.608v-.29c.843-.03 1.521-.772 1.521-1.681 0-.928-.707-1.682-1.575-1.682h-1.103c-.19 0-.357-.213-.357-.464 0-.25.16-.464.357-.464h.453a.606.606 0 0 0 .19 0h1.16a.61.61 0 0 0 .61-.609.61.61 0 0 0-.61-.608h-.646v-.29a.61.61 0 0 0-.609-.608.61.61 0 0 0-.609.609v.29c-.839.034-1.514.774-1.514 1.68 0 .929.708 1.682 1.575 1.682h1.104c.19 0 .357.213.357.464s-.16.464-.358.464H15.317a.61.61 0 0 0-.608.609.61.61 0 0 0 .608.609Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Money tip:<br \/>\n        <\/strong><br \/>\n        If you\u2019re hitting withdrawal limits regularly, you\u2019re using the wrong account. Move money you need frequent access to into a high-yield checking account instead.\n    <\/p>\n<\/div>\n<h2 id=\"why-it-pays-to-know-about-reg-d\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Do banks still limit savings account withdrawals?\" data-outcome=\"\">Do banks still limit savings account withdrawals?<\/h2>\n<p>Yes \u2014 many do, even though they don\u2019t have to. The split generally falls along these lines:<\/p>\n<p><strong>Banks that have eliminated limits:<\/strong> Many online banks and credit unions have eliminated limits entirely. This includes Ally Bank, Marcus by Goldman Sachs, American Express National Bank, Capital One 360, among others.<\/p>\n<p>Banks that still enforce limits: Most traditional brick-and-mortar banks, including Wells Fargo, Bank of America and Chase, continue to cap convenient withdrawals at six per month.<\/p>\n<h3>What happens if you exceed the limit<\/h3>\n<p>If your bank still enforces withdrawal restrictions, here\u2019s what you may face:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Excess transaction fees:<\/strong> Typically $5\u2013$15 per transaction over the limit.<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Account conversion:<\/strong> Your savings account may be converted to a checking account, which usually means a lower interest rate.<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Account closure:<\/strong> Repeated violations can result in the bank closing your account entirely.<\/li>\n<\/ul>\n<p>Check your bank\u2019s specific policy \u2014 it should be disclosed in your account agreement or fee schedule.<\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A lot of consumers don\u2019t realize their bank is still charging excess withdrawal fees for a rule the Fed dropped years ago. Before you assume you\u2019re stuck with these limits, check whether your bank has updated its policies \u2014 and if it hasn\u2019t, that\u2019s a strong signal it\u2019s time to shop around. The difference between a bank that charges you $10 every time you touch your savings and one that gives you unlimited access at a higher APY is real money.\u201d<\/p>\n<p>\u2014 Hanna Horvath, Managing Editor, Deposits at Bankrate<\/p>\n<\/blockquote>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Should you care about Regulation D in 2025?\" data-outcome=\"\">Should you care about Regulation D in 2025?<\/h2>\n<p>Only if your bank still enforces withdrawal limits. Here\u2019s how to figure out your situation and what to do about it.<\/p>\n<h3><strong>1. Know your bank\u2019s policy<\/strong><\/h3>\n<p>Don\u2019t assume anything. Log into your account or call customer service to confirm: How many withdrawals are you allowed per month? What\u2019s the fee for exceeding that number? Which types of transactions count toward the limit?<\/p>\n<h3><strong>2. Choose the right account for your needs<\/strong><\/h3>\n<p>The best account setup depends on how you use your money:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>If you rarely touch your savings:<\/strong> Any high-yield savings account works, even with withdrawal limits. You\u2019re earning up to 4.00% APY on your emergency fund and barely accessing it.<\/li>\n<li>\n<strong>If you need frequent access:<\/strong> Switch to a bank with unlimited withdrawals or use a high-yield checking account for money you touch regularly.<\/li>\n<li>\n<strong>If you pay bills from savings:<\/strong> Stop. Move bill-paying money to checking where it belongs. Use automatic transfers to move your monthly expenses from savings to checking once per month.<\/li>\n<\/ul>\n<h3><strong>3. Avoid unnecessary fees<\/strong><\/h3>\n<p>Excess withdrawal fees are completely avoidable if you structure your accounts intentionally. Keep one to two months of expenses in checking. Use savings for true emergencies and longer-term financial goals. Schedule a single monthly transfer from savings to checking rather than multiple small ones.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Regulation D\u2019s withdrawal limits officially ended in April 2020, but many banks act like nothing changed. Some still cap withdrawals at six per month and charge fees if you exceed that limit \u2014 simply because they can, not because they have to.<\/p>\n<p>Don\u2019t accept withdrawal limits as inevitable. Plenty of banks eliminated these restrictions years ago and offer better rates to boot. If your bank is nickel-and-diming you with excess withdrawal fees, it\u2019s time to switch.<\/p>\n<p>If you\u2019re paying excess withdrawal fees, you\u2019re leaving money on the table. Online banks with unlimited withdrawals and 4.20% APY exist. Use them.<\/p>\n<h2 id=\"faqs\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQs about Regulation D\" data-outcome=\"\">FAQs about Regulation D<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-is-the-six-withdrawal-limit-still-in-effect', 'heading-is-the-six-withdrawal-limit-still-in-effect']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-the-six-withdrawal-limit-still-in-effect')\" :aria-controls=\"$id('panel-is-the-six-withdrawal-limit-still-in-effect')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is the six-withdrawal limit still in effect?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-the-six-withdrawal-limit-still-in-effect')\" :aria-labelledby=\"$id('heading-is-the-six-withdrawal-limit-still-in-effect')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"font-claude-response-body whitespace-normal break-words\">Not federally. The Federal Reserve suspended the Regulation D limit in April 2020. However, many banks still enforce a six-withdrawal limit as their own internal policy. Check with your specific bank to understand their current rules.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-happens-if-i-exceed-my-banks-withdrawal-limit', 'heading-what-happens-if-i-exceed-my-banks-withdrawal-limit']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-happens-if-i-exceed-my-banks-withdrawal-limit')\" :aria-controls=\"$id('panel-what-happens-if-i-exceed-my-banks-withdrawal-limit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What happens if I exceed my bank\u2019s withdrawal limit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-happens-if-i-exceed-my-banks-withdrawal-limit')\" :aria-labelledby=\"$id('heading-what-happens-if-i-exceed-my-banks-withdrawal-limit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"font-claude-response-body whitespace-normal break-words\">Most banks charge an excess withdrawal fee of $5-15 per transaction over the limit. If you repeatedly exceed the limit, your bank may convert your savings account to a checking account or close it entirely.<\/p>\n<h3 class=\"text-lg font-bold text-text-100 mt-1 -mb-1.5\"\/>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-i-withdraw-money-from-savings-at-an-atm-without-penalty', 'heading-can-i-withdraw-money-from-savings-at-an-atm-without-penalty']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-i-withdraw-money-from-savings-at-an-atm-without-penalty')\" :aria-controls=\"$id('panel-can-i-withdraw-money-from-savings-at-an-atm-without-penalty')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I withdraw money from savings at an ATM without penalty?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-i-withdraw-money-from-savings-at-an-atm-without-penalty')\" :aria-labelledby=\"$id('heading-can-i-withdraw-money-from-savings-at-an-atm-without-penalty')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"font-claude-response-body whitespace-normal break-words\">Yes. ATM withdrawals and in-person teller transactions don\u2019t count toward withdrawal limits, even at banks that restrict electronic transfers. You can make unlimited ATM and teller withdrawals.<\/p>\n<h3 class=\"text-lg font-bold text-text-100 mt-1 -mb-1.5\"\/>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts', 'heading-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts')\" :aria-controls=\"$id('panel-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Which banks have eliminated withdrawal limits on savings accounts?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts')\" :aria-labelledby=\"$id('heading-which-banks-have-eliminated-withdrawal-limits-on-savings-accounts')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"font-claude-response-body whitespace-normal break-words\">Many online banks eliminated limits after the 2020 rule change, including Ally Bank, Marcus by Goldman Sachs, American Express National Bank, and Capital One.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-should-i-use-my-savings-account-to-pay-bills', 'heading-should-i-use-my-savings-account-to-pay-bills']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-should-i-use-my-savings-account-to-pay-bills')\" :aria-controls=\"$id('panel-should-i-use-my-savings-account-to-pay-bills')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Should I use my savings account to pay bills?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-should-i-use-my-savings-account-to-pay-bills')\" :aria-labelledby=\"$id('heading-should-i-use-my-savings-account-to-pay-bills')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"whitespace-normal break-words\">No. Even with unlimited withdrawals, savings accounts aren\u2019t designed for frequent transactions. Use a checking account for bills and daily expenses, and keep savings for emergencies and financial goals. This also helps you earn maximum interest since you\u2019re not constantly depleting your balance.<\/p>\n<h3 class=\"text-lg font-bold text-text-100 mt-1 -mb-1.5\"\/>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"6u2wfAndUH\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded 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0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/regulation-d\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>NoSystem images\/Getty Images Key takeaways The Federal Reserve eliminated the six-withdrawal limit on savings accounts in April 2020, giving consumers unlimited access to their money \u2014 at least on paper. Here\u2019s the catch: Many banks still restrict withdrawals to six per month even though they\u2019re no longer required to by federal law.&#13; Banks that maintain<\/p>\n","protected":false},"author":1,"featured_media":23509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23508","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Regulation D And Savings Account Withdrawal Limits \u2013 Here&#039;s What Changed | BudgetADirect<\/title>\n<meta name=\"description\" content=\"NoSystem images\/Getty Images Key takeaways The Federal Reserve eliminated the six-withdrawal limit on savings accounts in April 2020, giving consumers\" \/>\n<meta name=\"robots\" content=\"index, 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