Preguntas frecuentes sobre el Reglamento D

Federal Regulation D places a monthly limit on the number of transfers you may make from your primary share Savings Accounts or Money Market Accounts (MMAs) without your physical presence being required. Transfers affected by this regulation therefore include:

Transfers made using Online Banking.
Transfers made using Telephone Banking.
Overdraft transfers (made automatically to cover insufficient funds in other accounts; see below).
Transfers made by a Member Service Representative on your behalf.
Pre-authorized, automatic, scheduled or recurring transfers (see below).

You are allowed six such transfers per month, per account. Please see the ‘What transactions can I do?’ box above for additional explanation.

ATM transactions.
Transfers made to East Idaho Credit Union loans.
Transactions done in person at a financial center.
Transactions sent in by mail, Express Drop, messenger, or Night Drop with an original signature.
EICU Bill Pay (which uses funds from your checking account).

Puede realizar retiros y transferencias en persona, por correo o en un cajero automático.

No, si la cuenta de protección contra sobregiros es una cuenta de ahorro o MMA. En ese caso, puede incurrir en un cargo por fondos insuficientes (NSF) por cada intento de sobregiro que supere su límite mensual. Sin embargo, si la cuenta de protección contra sobregiros es un préstamo para sobregiros (que no está afectado por el Reglamento D) el sobregiro se completará normalmente. Para solicitar un Préstamo de Sobregiro, solicítelo en línea o póngase en contacto con nosotros.

Sí. Estos pagos (que quizá conozca como transacciones "ACH" o "EFT") siguen las limitaciones del Reglamento D. Cualquier retiro que se intente hacer más allá de su límite mensual no será aceptado, y puede incurrir en un cargo de Fondos Insuficientes. Para evitar esta situación:

Make automatic payments using something other than a Savings Account or MMA, such as a checking account or Overdraft Loan.
Contact the merchant to arrange this change, and be aware that your request could take more than a month to go into effect.
Alternatively, consider using EICU Bill Pay or your EICU VISA® debit/credit card to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

Retiradas ilimitadas permitidas Cuando: Transferencias ilimitadas permitidas Cuando: Hasta seis retiradas o transferencias permitidas al mes - Cuándo:

Made in person
Made by messenger
Made by a letter request (considered the functional equivalent of the member coming into the credit union)
Made by telephone, fax or PC, if a check payable to the member is mailed to the member
Made using an ATM

Made between the accounts/suffixes of the same member AND made in person, by messenger, by mail or at an ATM
Made by the member to pay a loan the member has with the credit union

Made by telephone, fax, or personal computer and payable to a third party
Made by telephone, fax or PC to another account of the member at the credit union
Made by preauthorized, automatic or bill payment arrangement for transfer to the member’s other account(s) at the credit union or to a third party