In MA as well, we did all our banking through BOA, considered First Citizens' but only did the mortgage. Since BOA exists in MA and FL, and does very well internationally, and links to fidelity very easily, we just kept BOA. we don't use credit unions any more as one account does everything. Wife has Citizens (not First Citizens) to keep different bank options available and we have needed the duality at times.
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KEY TAKEAWAYS
ACH Transfer Limits and Fees: Banks set their own transfer limits and transaction fees, which can vary by bank and account type.
Importance of Transfer Limits.
ACH Transfer Rules: Banks have their own rules regarding ACH transfers, including transfer limits, processing fees, cutoff times, and penalties.
YOUR RELATIONSHIP MATTERS
Many may not know this, but as we noted earlier, many banks have the daily and monthly ACH transfers mentioned in the fine print. However, people who have been loyal customers of the bank for several years, and have a positive bank balance while following the guidelines set by the bank, should be able to up their transfer limit.
People with accounts that have often dipped to negative and are relatively new customers, or have frequently racked up a lot of fees, may find that the banks are less inclined to increase their transfer limits. So, as with everything, it is essential to manage your account, knowing that this will affect how your bank does business with you.
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you might want to inquire if there are any conditions which can increase the transfer limit by account type or balance level or customer age.