I have no transaction limits and no fees. My paycheck is deposited electronically by my choice and is, to all appearances, available on midnight of payday before I've even been to work. I've never run low on funds and pushed the limits so I don't know. I'm not bragging I'm just saying I can't answer that.

I do get charged for out of network ATM transactions so that's why I avoid them. I'm looking for another local bank who knows they don't have the ATM network and offer free ATM fees as an incentive. They're out there.

As it is, my company's bank makes the direct deposit into a checking account, I go online and pay bills etc and sweep the rest into a savings account with the same bank.