<prompt> Human: In an effort to be more mindful of how much Im spending I decided to transfer my money from checking to saving, and only transfer it back into checking as needed I dont spend a lot during the month as it is. But as I was transferring funds over this morning to buy a bus pass I got a message saying I hit my federal monthly limit of 6 transfers for the month. Ive got a substantial amount in savings, and my checking is drained. Is there any loophole I can do to get my money out?Assistant: Usually they dont lock it they just charge you a fee. Human: Its up to bank policy on how they enforce the 6 transfer limit. Some charge a fee, some will close the account altogether after enough violations. I can see a bank simply locking transactions for the rest of the month to enforce federal regulation.Assistant: In this case the transfer attempt is showing up as Failed and gave me the 6 transfer notice at the time. This was done through their website, Ive yet to go there and withdrawal the money in person, hopefully I wont have an issue with that. Fwiw this is a local credit union  <response>: The regulations imposing a 6 transfer limit on savings accounts apply equally to credit unions and banks. You should be able to withdraw money in person, because the regulation only applies to electronic transfers, but the CUs policy could theoretically be stricter than what the regulation requires. 