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To move money from savings to checking, sign in to your bank’s website or app, open its transfer feature, select savings as the account the money leaves and checking as the account receiving it, enter the amount, review the details, and submit. The steps are similar at many banks, but transfer timing, limits, fees, and available methods depend on your accounts and institution.
Transfer money between accounts at the same bank
- Sign in to your bank’s official website or mobile app.
- Open the transfer feature. It may be labeled “Transfers” or something similar.
- Choose your savings account as the source and your checking account as the destination.
- Enter the amount. If the bank offers scheduling, choose the date and frequency you want.
- Review the account names, amount, date, and any fee or warning shown on screen, then submit.
- Save the confirmation and check your account activity to see the transfer’s status or posting.
For example, Santander says customers can transfer funds between accounts through its online banking service or mobile app: Santander’s transfer instructions. Your bank may use different labels or steps.
Transfer money between different banks
If your savings and checking accounts are at different institutions, use an external account transfer option if your bank offers one. You may need to add the receiving account and complete a verification step before you can send money. Wells Fargo describes transfers between its accounts and accounts at other U.S. financial institutions, but that does not establish a universal method or timeline: requirements vary by bank and account.
Follow the bank’s prompts to choose the savings account as the source and checking as the destination. Before submitting, confirm the destination details carefully and review any displayed fee, limit, or estimated delivery date.
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How long does a savings-to-checking transfer take?
There is no universal processing time. A transfer’s timing can depend on whether the accounts are at the same bank, the transfer method, verification, the bank’s cutoff time, weekends and holidays, and the account terms. Do not assume that a transfer will be available immediately or on the same day; check the bank’s stated timing and the transaction status.
One bank-specific example illustrates why cutoff rules matter: Santander’s digital banking agreement says certain qualifying transfers requested before 10 p.m. Eastern Time on a business day post as of that business day; requests after the cutoff or on a non-business day post the next business day. That timing applies to the transfer types described in Santander’s agreement, not to transfers generally. See the Santander Digital Banking Agreement for its terms.
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Are there limits on transfers from savings?
The federal six-per-month limit is no longer a universal rule. In 2020, the Federal Reserve removed the six-per-month limit on convenient transfers from the federal definition of a savings deposit. That change did not require banks to allow unlimited transactions under every account agreement. The Federal Reserve’s Regulation D guidance and its Savings Deposits FAQ explain the regulatory change.
Banks may still set account-specific limits or conditions. The Office of the Comptroller of the Currency notes that policies can vary and some institutions may continue to limit certain savings withdrawals or transfers. Check your current deposit agreement, fee schedule, transfer screen, or contact your bank to learn what applies to your account. The OCC’s guidance on savings and money-market account transfer policies was last reviewed in April 2021.
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Check fees, limits, and the transfer status
Before relying on a transfer, check the details for your specific accounts:
Quick Recap
- Whether the accounts are at the same bank or different institutions, and whether an external transfer must be added or verified.
- Any transfer amount or frequency restrictions in your current account terms.
- The bank’s cutoff time and how it handles business days, weekends, and holidays.
- Any fee shown in the fee schedule, transfer screen, or confirmation.
- The confirmation and account activity after submission, especially if the money does not appear when expected.
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