diff --git a/abcbank/account.py b/abcbank/account.py
index e010009..3256b31 100644
--- a/abcbank/account.py
+++ b/abcbank/account.py
@@ -1,4 +1,4 @@
-from abcbank.transaction import Transaction
+from transaction import Transaction
 
 CHECKING = 0
 SAVINGS = 1
@@ -20,7 +20,25 @@ def withdraw(self, amount):
         if (amount <= 0):
             raise ValueError("amount must be greater than zero")
         else:
-            self.transactions.append(Transaction(-amount))
+            # check for withdrawal over available funds - overdraft
+            if (self.sumTransactions() < amount):
+               raise ValueError("amount greater than avail funds")
+            else:
+               self.transactions.append(Transaction(-amount))
+
+    def transferFunds(self, Account_t, amount):
+        """
+          The account you are transferring to is Account_t 
+          (ie: savings, checking,maxi-savings).  the self represents
+          the account you are transferring from.  amount is
+          how much is being transferred
+        """
+        try:
+           self.withdraw(amount)       # call self's withdraw method
+           Account_t.deposit(amount)   # call the destination account deposit
+        except ValueError as err:
+           raise ValueError("transfer exception: "+err[0])
+
 
     def interestEarned(self):
         amount = self.sumTransactions()
@@ -40,4 +58,4 @@ def interestEarned(self):
             return amount * 0.001
 
     def sumTransactions(self, checkAllTransactions=True):
-        return sum([t.amount for t in self.transactions])
\ No newline at end of file
+        return sum([t.amount for t in self.transactions])
diff --git a/tests/customer_tests.py b/tests/customer_tests.py
index 0211a4f..bc3e4ea 100644
--- a/tests/customer_tests.py
+++ b/tests/customer_tests.py
@@ -18,6 +18,19 @@ def test_statement():
                   "\n\nTotal In All Accounts $3900.00")
 
 
+def test_transfer():
+    checkingAccount = Account(CHECKING)
+    savingsAccount = account(SAVINGS)
+    henry = Customer("Henry").openAccount(checkingAccount).openAccount(savingsAccount)
+    checkingAccount.deposit(100.0)
+    savingsAccount.deposit(4000.0)
+    savingsAccount.transferFunds(checkingAccount, 200.0)
+    assert_equals(henry.getStatement(),
+                  "Statement for Henry" +
+                  "\n\nChecking Account\n  deposit $100.00\n  deposit $200.00\nTotal $300.00" +
+                  "\n\nSavings Account\n  deposit $4000.00\n  withdrawal $200.00\nTotal $3800.00" +
+                  "\n\nTotal In All Accounts $4100.00")
+
 def test_oneAccount():
     oscar = Customer("Oscar").openAccount(Account(SAVINGS))
     assert_equals(oscar.numAccs(), 1)
@@ -33,4 +46,4 @@ def test_twoAccounts():
 def test_threeAccounts():
     oscar = Customer("Oscar").openAccount(Account(SAVINGS))
     oscar.openAccount(Account(CHECKING))
-    assert_equals(oscar.numAccs(), 3)
\ No newline at end of file
+    assert_equals(oscar.numAccs(), 3)