diff --git a/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.test.tsx b/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.test.tsx
index effefdd9dd..09dea9cb8d 100644
--- a/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.test.tsx
+++ b/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.test.tsx
@@ -62,7 +62,6 @@ describe('BalanceCard', () => {
     expect(getByText('Current Balance')).toBeInTheDocument();
     expect(getByText('$15,000.00')).toBeInTheDocument();
     expect(getByRole('button', { name: /transfer from/i })).toBeInTheDocument();
-    expect(getByRole('button', { name: /transfer to/i })).toBeInTheDocument();
   });
 
   it('should display title correctly', () => {
@@ -190,21 +189,6 @@ describe('BalanceCard', () => {
     });
   });
 
-  it('should call handleOpenTransferModal with correct parameters when Transfer To is clicked', async () => {
-    const { findByRole } = render(<Components />);
-
-    const transferToButton = await findByRole('button', {
-      name: /transfer to/i,
-    });
-    userEvent.click(transferToButton);
-
-    expect(mockHandleOpenTransferModal).toHaveBeenCalledWith({
-      transfer: {
-        transferTo: expect.any(String),
-      },
-    });
-  });
-
   it('should disable transfer from button when current balance goes beyond deficit limit', async () => {
     const { findByRole } = render(
       <Components
diff --git a/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.tsx b/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.tsx
index f7b0498b7f..bc3c61ca5c 100644
--- a/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.tsx
+++ b/src/components/HrTools/SavingsFundTransfer/BalanceCard/BalanceCard.tsx
@@ -1,11 +1,5 @@
 import React from 'react';
-import {
-  Groups,
-  MoveToInbox,
-  Outbox,
-  Savings,
-  Wallet,
-} from '@mui/icons-material';
+import { Groups, Outbox, Savings, Wallet } from '@mui/icons-material';
 import { Box, Button, Card, Typography } from '@mui/material';
 import { useTranslation } from 'react-i18next';
 import { SimpleScreenOnly } from 'src/components/Reports/styledComponents';
@@ -51,14 +45,6 @@ export const BalanceCard: React.FC<BalanceCardProps> = ({
     });
   };
 
-  const handleTransferTo = () => {
-    handleOpenTransferModal({
-      transfer: {
-        transferTo: fund.fundType,
-      },
-    });
-  };
-
   return (
     <Card
       variant="outlined"
@@ -70,6 +56,8 @@ export const BalanceCard: React.FC<BalanceCardProps> = ({
         fontSize: '1.25rem',
         boxShadow: isSelected ? 3 : 1,
         transition: 'box-shadow 0.3s ease-in-out',
+        display: 'flex',
+        flexDirection: 'column',
       }}
     >
       <Box display={'flex'} flexDirection="row" alignItems="center" gap={1}>
@@ -99,6 +87,9 @@ export const BalanceCard: React.FC<BalanceCardProps> = ({
               '@media print': { fontSize: '12pt' },
               fontWeight: 500,
               fontSize: '13pt',
+              minHeight: '3em',
+              display: 'flex',
+              alignItems: 'center',
             }}
           >
             {title}
@@ -107,7 +98,7 @@ export const BalanceCard: React.FC<BalanceCardProps> = ({
       </Box>
       <Box
         sx={{
-          mt: 5,
+          mt: 3,
           '@media print': { mt: 2 },
         }}
       >
@@ -135,21 +126,17 @@ export const BalanceCard: React.FC<BalanceCardProps> = ({
       <SimpleScreenOnly
         sx={{
           alignItems: 'left',
-          mt: 2,
-          ml: 0,
+          mt: 'auto',
         }}
       >
         <Button
           onClick={handleTransferFrom}
           disabled={fund.endBalance <= fund.deficitLimit}
+          fullWidth
         >
           <Outbox fontSize="small" sx={{ mr: 0.5 }} />
           {t('TRANSFER FROM')}
         </Button>
-        <Button onClick={handleTransferTo}>
-          <MoveToInbox fontSize="small" sx={{ mr: 0.5 }} />
-          {t('TRANSFER TO')}
-        </Button>
       </SimpleScreenOnly>
     </Card>
   );
diff --git a/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.test.tsx b/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.test.tsx
index 8449ca81cc..970b751a26 100644
--- a/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.test.tsx
+++ b/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.test.tsx
@@ -53,7 +53,7 @@ jest.mock('@mui/material', () => {
 });
 
 const transferDefaultData: TransferModalData['transfer'] = {
-  transferFrom: 'transferFrom',
+  transferFrom: 'Staff Account',
   transferTo: '',
   amount: 0,
   schedule: ScheduleEnum.OneTime,
@@ -152,11 +152,8 @@ describe('TransferModal', () => {
       userEvent.type(amountField, '-100');
       userEvent.tab();
 
-      const fromAccount = getByRole('combobox', { name: /from account/i });
       const toAccount = getByRole('combobox', { name: /to account/i });
 
-      userEvent.click(fromAccount);
-      userEvent.click(getByRole('option', { name: /staff account/i }));
       userEvent.click(toAccount);
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
@@ -199,13 +196,9 @@ describe('TransferModal', () => {
     it('should submit form with valid data', async () => {
       const { getByRole } = render(<Components />);
 
-      const fromAccount = getByRole('combobox', { name: /from account/i });
       const toAccount = getByRole('combobox', { name: /to account/i });
       const amountField = getByRole('spinbutton', { name: /amount/i });
 
-      userEvent.click(fromAccount);
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
       userEvent.click(toAccount);
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
@@ -227,14 +220,10 @@ describe('TransferModal', () => {
     it('should handle form submission successfully', async () => {
       const { getByRole } = render(<Components />);
 
-      const fromAccount = getByRole('combobox', { name: /from account/i });
       const toAccount = getByRole('combobox', { name: /to account/i });
       const amountField = getByRole('spinbutton', { name: /amount/i });
       const submitButton = getByRole('button', { name: /submit/i });
 
-      userEvent.click(fromAccount);
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
       userEvent.click(toAccount);
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
@@ -274,55 +263,25 @@ describe('TransferModal', () => {
       expect(getByLabelText(/end date/i)).toHaveValue('');
     });
 
-    it('should validate that from and to accounts are different', async () => {
-      const { getByRole, queryByRole, getAllByRole } = render(<Components />);
+    it('locks the From Account to the launching card and excludes it from To Account options', async () => {
+      const { getByRole, queryByRole } = render(<Components />);
 
-      const [fromAccount, toAccount] = getAllByRole('combobox');
+      const fromAccount = getByRole('combobox', { name: /from account/i });
+      expect(fromAccount).toHaveTextContent('Staff Account');
 
       userEvent.click(fromAccount);
-      expect(
-        getByRole('option', { name: /staff account/i }),
-      ).toBeInTheDocument();
-      userEvent.click(getByRole('option', { name: /staff account/i }));
+      expect(queryByRole('listbox')).not.toBeInTheDocument();
+
+      userEvent.click(getByRole('combobox', { name: /to account/i }));
 
-      userEvent.click(toAccount);
       await waitFor(() =>
         expect(
           queryByRole('option', { name: /staff account/i }),
         ).not.toBeInTheDocument(),
       );
-
-      userEvent.click(getByRole('option', { name: /staff savings/i }));
-      userEvent.click(getByRole('button', { name: /submit/i }));
-    });
-
-    it('should swap accounts when swap button is clicked', async () => {
-      const { getByRole, getByTestId } = render(<Components />);
-
-      const icon = getByTestId('SwapHorizIcon');
-      const swapButton = icon.closest('button');
-
-      expect(swapButton).toBeDisabled();
-
-      const fromAccount = getByRole('combobox', { name: /from account/i });
-      const toAccount = getByRole('combobox', { name: /to account/i });
-
-      userEvent.click(fromAccount);
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
-      userEvent.click(toAccount);
-      userEvent.click(getByRole('option', { name: /staff savings/i }));
-
-      await waitFor(() => {
-        expect(swapButton).not.toBeDisabled();
-      });
-
-      userEvent.click(swapButton as HTMLButtonElement);
-
-      await waitFor(() => {
-        expect(fromAccount).toHaveTextContent('Staff Savings');
-        expect(toAccount).toHaveTextContent('Staff Account');
-      });
+      expect(
+        getByRole('option', { name: /staff savings/i }),
+      ).toBeInTheDocument();
     });
 
     it('should show/hide end date based on schedule selection', async () => {
@@ -393,12 +352,8 @@ describe('TransferModal', () => {
     it('should show information box when amount exceeds limit', async () => {
       const { getByRole, findByRole } = render(<Components />);
 
-      const fromAccount = getByRole('combobox', { name: /from account/i });
       const toAccount = getByRole('combobox', { name: /to account/i });
 
-      userEvent.click(fromAccount);
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
       userEvent.click(toAccount);
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
@@ -441,9 +396,6 @@ describe('TransferModal', () => {
 
       const amountField = getByRole('spinbutton', { name: /amount/i });
 
-      userEvent.click(getByRole('combobox', { name: /from account/i }));
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
       userEvent.click(getByRole('combobox', { name: /to account/i }));
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
@@ -474,9 +426,6 @@ describe('TransferModal', () => {
 
       const amountField = getByRole('spinbutton', { name: /amount/i });
 
-      userEvent.click(getByRole('combobox', { name: /from account/i }));
-      userEvent.click(getByRole('option', { name: /staff account/i }));
-
       userEvent.click(getByRole('combobox', { name: /to account/i }));
       userEvent.click(getByRole('option', { name: /staff savings/i }));
 
diff --git a/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.tsx b/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.tsx
index d74adb7f92..7e50b486bc 100644
--- a/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.tsx
+++ b/src/components/HrTools/SavingsFundTransfer/TransferModal/TransferModal.tsx
@@ -1,6 +1,5 @@
 import { useState } from 'react';
-import East from '@mui/icons-material/East';
-import SwapHorizIcon from '@mui/icons-material/SwapHoriz';
+import { ArrowRightAlt } from '@mui/icons-material';
 import {
   Alert,
   Box,
@@ -11,12 +10,10 @@ import {
   FormHelperText,
   FormLabel,
   Grid,
-  IconButton,
   InputLabel,
   Radio,
   RadioGroup,
   TextField,
-  Tooltip,
   Typography,
 } from '@mui/material';
 import { Formik } from 'formik';
@@ -309,26 +306,17 @@ export const TransferModal: React.FC<TransferModalProps> = ({
                             {t('From Account')}
                           </InputLabel>
                           <TransferModalSelect
-                            notSelected={transferTo}
-                            funds={funds}
+                            funds={funds.filter(
+                              (fund) => fund.fundType === transferFrom,
+                            )}
                             label={t('From Account')}
                             labelId="transferFrom"
                             name="transferFrom"
                             value={transferFrom}
-                            disabled={!isNew}
-                            onChange={handleChange}
-                            onBlur={handleBlur}
-                            error={
-                              touched.transferFrom &&
-                              Boolean(errors.transferFrom)
-                            }
+                            readOnly
+                            IconComponent={() => null}
                             required
                           />
-                          {touched.transferFrom && errors.transferFrom && (
-                            <FormHelperText error={true}>
-                              {errors.transferFrom}
-                            </FormHelperText>
-                          )}
                         </FormControl>
                       </Grid>
 
@@ -342,18 +330,7 @@ export const TransferModal: React.FC<TransferModalProps> = ({
                           alignItems: 'center',
                         }}
                       >
-                        <IconButton
-                          onClick={() => {
-                            setFieldValue('transferFrom', transferTo);
-                            setFieldValue('transferTo', transferFrom);
-                          }}
-                          color="primary"
-                          disabled={!transferFrom || !transferTo}
-                        >
-                          <Tooltip title={t('Swap')}>
-                            <SwapHorizIcon />
-                          </Tooltip>
-                        </IconButton>
+                        <ArrowRightAlt />
                       </Grid>
 
                       <Grid item xs={12} sm={5.5}>
@@ -398,7 +375,7 @@ export const TransferModal: React.FC<TransferModalProps> = ({
                         <FundInfoDisplay fund={fund} />
                       </Grid>
                       <Grid item xs={12} sm={1} sx={{ textAlign: 'center' }}>
-                        <East />
+                        <ArrowRightAlt />
                       </Grid>
                       <Grid item xs={12} sm={5.5}>
                         <FundInfoDisplay
@@ -527,7 +504,6 @@ export const TransferModal: React.FC<TransferModalProps> = ({
                         id="transfer-note"
                         label={t('Note (Optional)')}
                         name="note"
-                        disabled={!isNew}
                         value={note}
                         onChange={handleChange}
                         fullWidth
diff --git a/src/components/HrTools/SavingsFundTransfer/TransfersPage/TransfersPage.test.tsx b/src/components/HrTools/SavingsFundTransfer/TransfersPage/TransfersPage.test.tsx
index a0e0f92dd0..36a7e65560 100644
--- a/src/components/HrTools/SavingsFundTransfer/TransfersPage/TransfersPage.test.tsx
+++ b/src/components/HrTools/SavingsFundTransfer/TransfersPage/TransfersPage.test.tsx
@@ -247,9 +247,6 @@ describe('TransfersPage', () => {
     expect(
       await findAllByRole('button', { name: 'TRANSFER FROM' }),
     ).toHaveLength(2);
-    expect(await findAllByRole('button', { name: 'TRANSFER TO' })).toHaveLength(
-      2,
-    );
 
     const tables = await findAllByRole('grid');
     expect(tables.length).toBe(2);