This came up when I googled "banker" so I'm rolling with it
Then she said it was a "federal regulation."
I thought, "Baloney. It's your bank screwing you around."
But, lo and behold, there is a federal regulation that limits the transfers (what is defined as a "transfer" is kind of complicated) to six per month. (It looks like a bank can make the number less and create its own fees for violations, but the reg is silent about that.)
I had no idea.