I have a Regulation D, Excessive Transaction question. I wanted to see if we had any other options in handling this. In the past, when we were an OTS supervised bank, they were ok after three letters to the customer if we turned off the interest function on their savings account. Now, we seems to get quite of few monthly offenders. I have always hoped our Data Service Provider could just change their savings to a non-check issuing checking account but they can’t cross over and change parameters from major to minors (savings to checking). Does anyone else have a different option other than having the customer close their savings account and open another checking? Several have multiple ACH’s coming out and it creates issues. I’m just looking for a simpler more effective way of handling this if there is one. Thanks!