What transactions are not affected by Reg D?

  • Deposits
  • ATM cash withdrawals & transfers
  • In-person withdrawals & transfers
  • Any transaction from a checking account which does not necessitate an overdraft transfer from a savings account
  • Transfers to make Southeast Financial loan payments
  • Overdraft protection for a checking account made from a line of credit
  • Withdrawal or transfer requests made by mail if made payable to and mailed to the member

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