Answer by David Dickinson:If he is coming in the bank (over-the-counter), these don't count toward the six per month.
Answer by John Burnett:Regulation D includes regulatory limits on activity in a savings account that you must impose on your customers. You may impose more restrictive limits if you wish, such as limiting withdrawals of all types per month. If your bank's deposit contract imposes more restrictive limits, you can, as a matter of contract, policy and procedure, close the account, but you should not blame the regulation for your more restrictive rules.
First published on BankersOnline.com 8/30/10