The second and third times you exceed the limit in a 12 - month period, you're charged a $ 5 excess withdrawal fee per transaction over the limit. (mybanktracker.com)
There is a fee for excess withdrawals from your savings. (mybanktracker.com)
Whereas, if the fee is based on a certain percentage of the transaction, you will be able to save costs when you withdrawal just amount you need without making excess withdrawal. (myfinancekits.com)