I've sat through numerous courses on money laundering, and under none of the definitons used in any of those courses would transfering money from your savings account to your checking account to pay your visa bill be considered laundering, (unless the money in your savings account was acquired in a criminal way).

Check out the https://www.ffiec.gov/bsa%5Faml%5Finfobase/documents/regulat... Money Laundering Control Act of 1986. Every part of the definition requires the money be the proceeds or involved in a specified illegal activity.