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These include, for example, excessive withdrawals and other optional services. To avoid excessive withdrawals, only make up to six of the following transfers/withdrawals from your savings account during a month or your monthly statement period: (1) to another account you have with TCF or to a third party by pre-authorized or automatic transfer; (2) by telephone, fax, or online banking; (3) by check or draft; or (4) by similar order by you and payable to third parties.