Overdraft Services

Select the right service for your account.

Choose one or a combination of overdraft services options.



When you open a TD Bank Checking account, you can select one or more overdraft services.

Compare all overdraft protection options

Savings Overdraft Protection

Savings Overdraft Protection lets you link your savings or money market account to your checking account to help protect against overdrawing. If your checking account becomes overdrawn, and you have sufficient funds available in your savings or money market accounts, the funds will be automatically transferred to your checking account. This ensures your payments are made, and it saves you overdraft charges. No credit approval is required. In the event an automatic transfer is made to cover a checking account overdraft, a nominal fee will be charged.

How to set it up: To open a savings or money market account and activate savings overdraft protection, visit your local TD Bank store.

TD Moneyline Overdraft Protection

TD Moneyline Overdraft Protection is a service that automatically transfers available funds from your TD Moneyline unsecured line of credit to help prevent checking account overdrafts. You can draw up to your available credit limit. Plus, you may avoid overdraft fees for returned checks or insufficient funds. Interest is charged only when you use your line of credit.

How to set it up: Opening a line of credit for overdraft protection requires that you fill out a loan application.1 To apply, you must have a current TD Checking account, request a minimum of $500 (up to a maximum of $5,000) with credit approval, and apply with any other holders of your checking account.

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TD Debit Card Advance

TD Debit Card Advance is an optional overdraft service we offer with our personal checking accounts that may help you avoid debit card declines. Once you enroll, you can continue to use your debit card as usual. We may authorize ATM transactions or one-time debit card purchases even if you don't have enough money available in your account. Overdrafts will be paid at our discretion.

Fees may apply, read Important Details below.

How to set it up: Enroll online, by phone or in person.

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1Loans subject to credit approval.

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