Both my kids are in college and learning how to manage their money. Their initial instinct was to keep most of their money in their savings accounts and then do a mobile transfer to checking when they need money to spend. Just in the past month or two, both have been penalized for exceeding the allowed limit of 6 transactions. Why is there a limit? Why are their multiple penalties with no notification (like email or text)? Living on tight budgets and trying to only spend what was necessary should not incur penalties. How about implementing a warning system at least?