The Dividend Rate and APY may change at any time as determined by the Credit Union's Board of Directors. For accounts earning dividends, the dividends are calculated by the Daily Balance method. Dividends will be compounded monthly and will be credited to your account monthly. Federal regulation limits business savings and money market accounts to six transfers or withdrawals per month if by check, point of sale debit card, preauthorized, automatic, telephone, or computer transfer. Items presented for payment that exceed the transaction limitations will be denied. There is no limit to withdrawals or transfers made in person, by mail, by messenger, or at an ATM.