Thank you for all of your help. I finally found out my bank closed my savings account for excessive transactions. I wasn't aware of federal law D, but I sure am now. They are going to send me my money though. Do you know if I will be billed for this?

I forgot about reg D last night. I've been out of the industry for a few years now. I don't think there will be any fees; it's a federal rule and the bank has no choice. Sorry about the panic; I hope you are feeling better today. I know that something like that can be really stressful. So, for future reference and to review, remember that savings accounts are meant to be long term and not accessed frequently. Automatic overdraft transfers are only for oversights/accidents/emergencies and should not be relied upon. Everything should be fine. Take care!