Can I convert my regular MMSA to a Jumbo MMSA?
No. You must open a new Jumbo MMSA and transfer the funds from your existing MMSA. Earned dividends begin the day the Jumbo MMSA is opened.

What if my balance falls below the $2,500 dividend minimum?
Funds in MMSAs with balances below $2,500 will not earn dividends for each day they remain below the minimum.

How can I access my account?
You can access your account by using Net Branch Online Account Access, an ATM or by phone.

Federal regulation allows a maximum of six transfers and/or withdrawals per calendar month—either by MMSA check, and/or any online or pre-authorized transfers, including those through the Automated Clearing House (ACH), by telephone or fax request. Checks are counted by the date they are paid, not the date they are written.
There are no monthly limits on the number of transfers or withdrawals made in person at a branch, through an ATM or by mail.

What if I exceed the number of authorized transactions within a calendar month?
We'll honor any checks or ACH debits that exceed the monthly limit, but an "excessive item fee" per check will be debited from your account. Electronic systems, such as Net Branch, will block the over-limit transactions altogether. By law, URW Community Federal must monitor MMSA activity. Excessive transactions that are limited by the regulation could result in the incurring of fees and/or account closure.

What happens if I write a check for an amount that exceeds my account balance?
The check will be returned and an insufficient funds fee in the amount shown in the current Schedule of Fees and Charges would apply. Funds will not be transferred from your other accounts or Overdraft Line of Credit to pay for the overdraft.