• Set up all of your pre-authorized payments or automatic withdrawals; such as insurance payments, health club dues, etc. (also referred to as EFT or ACH transactions) to be paid from checking account.
• Set up your overdraft protection to access your credit card or line of credit instead of your savings account.
• Limit transfers from your savings, by making planned transfers in larger amounts instead of several small transfers.
• Use an ATM to transfer funds these are not counted as Reg. D transfers.
• Use account alerts to monitor your savings and checking accounts frequently, so you can plan your transfers and control the movement of your money