Yep, it's six withdrawals per month. In person withdrawals don't fall under this regulation.
I shop my primary bank. The checks from that MSC go into my savings account with Crappy Credit Union. I use that money to pay my car note (once a month). I was on a shop at CCU, and set up the payment with the banker. He had a fit, stating that I couldn't use a savings account like that. I had to remind him of Regulation D.
And it's a wonder why I call the Crappy Credit Union.
"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton