We have a savings customer who signs withdrawals at home and sends them with her neighbor to get cash from her account. Are these transactions counted as part of the six? I read the list and am confused. It states that "withdrawals from the account if made by messenger" are non-covered. Thoughts?

If the transaction is happening at the teller line, it would not be counted.

Of course, the reason someone would allow this to happen is another issue.

They have health issues that do not allow them to come to the bank. Thanks for the answer.