TRANSACTION LIMITATIONS ON REGULAR SAVINGS AND MONEY MARKET ACCOUNTS. There will be no check writing privileges. A pre-authorized transfer includes any arrangement by the depository institution to pay a third party from the account of a depositor upon written or oral instruction (including an order received through an automated clearing house (ACH) or any arrangement by a depository institution to pay a third party from the account of the depositor at a predetermined time or on a fixed schedule)