The home banking transfer is a specific request. What 1005.3(c)(5) is getting at is standing transfers, such as a weekly transfer to Junior's account (Junior's away at school). It could even include auto-transfers for overdraft coverage. But if a separate request (by phone, written or home banking) has to be made, the exclusion doesn't apply.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8