Lesson Learned: Due to Federal Regulation D(link is a google search) you are limited to no more than 6 electronic transfers from a savings account in a one month period. This includes online banking transfers and automatic overdraft protections. How it was learned: The past 2 months have been very hectic with an unplanned trip out of town due to a death in the family and the growing ever closer arrival of our second daughter (at least the sonogram person seemed darn sure the baby is a girl). So our Quicken has not been the most up-to-date with the banking. We have a hefty reserve in our savings account so I wasn't concerned about paying bills and making sure the money was there since in the past the overdraft protection has reliably moved money from savings to checking when needed and we could sort out the transfers later. Of course our 7th overdraft protection transfer in March would have to be a credit card payment. There was substantially more in savings than what the check was for but due to Federal regulation it couldn't transfer and it looked (as of last night) like it was going to rack up ~$100+ in overdraft/late fees. due to being good bank customers we're getting some of the fees waived on that end and I'm going to talk to the CC company tomorrow to see if we can't get some leeway there. I'm sure some have already run into this before but I thought it might be a good piece of information for people who might not pay attention to balances closely due to overdraft protection in combination with a decent savings account. It could be a potentially expensive lesson if life gets hectic and you rely on the overdraft protection to simplify things while life sorts itself out.