Gift Card Helpful Tips
Your card is active and ready to use. Please sign your card immediately.
Register Your Card
Your gift card must be registered to increase your chances of recovering disputed funds. You may register your card at https://tdbank.com/giftcardinfo.
Keep your card safe.
Keep your gift card with you or in a safe place. It's as good as cash. If your gift card is lost or stolen, it can still be used to make purchases.
Note your card number.
We encourage you to keep your gift card number in a safe place – separate from the card. That way, if it is lost or stolen, you may be able to close the card before someone else uses it.
Know your balance.
Be sure to keep track of how much money you have remaining on the card. Not sure? Check online at https://tdbank.com/giftcardinfo, or contact TD Bank Card Services 24/7 at 800-884-4593 to get your balance.
Bring card balance to zero.
To use all of the money on the card, you will need to know your balance. If you are making a purchase for an amount greater than what's remaining on the card, let the merchant know what the balance is on your card and to charge that exact balance to your card. Then, pay the remaining balance of the purchase by cash, check or debit/credit card.
TD Bank Visa® Gift Card Agreement – Effective for cards purchased on or after August 22, 2010. All cardholders who purchased or received a card prior to this date, please refer to the terms and conditions that were provided with your card.
The Card becomes active no later than the end of the next business day after its purchase. For more information, please refer to https://tdbank.com/giftcardinfo. The following terms and conditions ("Agreement") govern the use of your TD Bank Visa® Gift Card ("Card"). In this Agreement, the words "you" and "your" mean: (a) the person to whom we issue the Card; (b) the person receiving the Card; and (c) the person using the Card. The words "we," "us," "our" and "Bank" mean TD Bank, N.A., a national banking association. Please read this Agreement carefully and keep it for your records. You will be deemed to have accepted the terms of this Agreement if any of the following are done by you or by another person with your consent or authorization: (a) purchase the Card; (b) sign the back of the Card; (c) use the Card; (d) authorize any other person to use the Card; (e) retain the Card; or (f) activate the Card. Please read this Agreement carefully, retain it with the Card and provide it to anyone to whom the Card is given.
Card Description And How the Card Works. Please sign and register your card immediately. The Card is a proprietary form of a Visa non-reloadable stored value card. The Card is not linked to nor does it access, in any way, any checking or other accounts at our Bank. The Card is not a credit card. No interest will be paid on the balances transferred to the Card and such balances are not FDIC insured. The TD Bank Visa® Gift Card is non-reloadable and cannot be reused after all the original purchased value has been used. You acknowledge and agree that the amount available on the Card is limited to the prepaid U.S. dollar value loaded on the Card at the time of purchase. No additional funds may be added to the Card. This amount is prepaid by the purchaser of the Card, and the amount available will decrease each time you use the Card to make a purchase or you incur, or we assess, a fee or charge. Your TD Bank Visa® Gift Card is issued by TD Bank, N.A. The card does not have a Personal Identification Number ("PIN"), is not enabled for PIN transactions and may not be used to obtain cash at ATM machines. The Card cannot be used for cash advances and cannot be exchanged for cash at stores or other financial institutions.
Balance on the Card. The value of the funds available on the Card at any given time is referred to in this Agreement as the "Balance." No interest will be paid on the Card Balance and such Balances are not deposits and are not FDIC insured. You acknowledge and agree that the Balance on the Card is limited to the dollar value established when the Card was purchased. The Balance will decrease each time you use the Card to make an authorized transaction or you incur, or we assess, a fee or charge. As you use the Card, the Balance will be reduced by the full amount of each purchase including taxes, and any other fees ("Transaction Amount"). You agree that the amount of funds shown on the Bank's records will determine the Card Balance. Once the Balance is depleted, the Card is no longer valid and you agree (a) not to use the Card; and (b) after you are sure that you do not intend to return any merchandise purchased with the Card, to cut it in half and discard it. Whenever you use the Card to make an authorized transaction, you are authorizing us to reduce the Card Balance by an amount equal to the Transaction Amount. At the time of each purchase the Merchant will obtain an approval for the Transaction Amount to ensure adequate funds are available. You agree to keep track of the Balance on your Card by using our website or by calling toll free within the United States – 800-884-4593 ("Customer Service Number") and not to use the Card for any purchase that exceeds the Balance except as permitted by this Agreement (see section – "Purchases Exceeding the Card Balance").
Using Your Card.
a. Registering the Card. You or the person to whom you give the card as a gift should register the card at https://tdbank.com/giftcardinfo or call 800-884-4593.
b. Record Your Card Number. Record your card number in a safe place separate from the card. You will need your card number when reporting a lost or stolen card or unauthorized transactions.
c. Signature of Cardholder. You or the person to whom you give the Card as a gift must sign the back before they use the Card.
d. By Signature At Merchants. To pay for purchases at merchants who display the Visa® Debit Card logo, and have agreed to accept the Card. Sign the sales receipt to complete the transaction. If there's a keypad, tell the salesclerk that you prefer to sign for your purchase. Usually, you will need to push the "credit" payment option. There is no cost for this service.
e. At Gas Stations. The TD Bank Visa® Gift Card can be used at gas stations; however, at gas stations with a "pay at the pump" capability, the Card cannot be authorized directly at the pump. Simply present the Card to the attendant for payment. Sign the sales receipt to complete the transaction. If there's a keypad, tell the salesclerk that you prefer to sign for your purchase. Usually, you will need to push the "credit" payment option.
Transaction Limitations.
a. Nontransferable Once Signed. The TD Bank Visa® Gift Card may be used by the purchaser or given as a gift to another person. However, once the Card is signed, it is non-transferable. Please do not sign the Card if you intend to give it as a gift to another person. The person who receives it as a gift should be the person who signs it.
b. Point of Sale Use and Hold Periods. Some Merchants, such as gas stations, hotels, restaurants and other merchants that accept gratuity, receive authorization for a greater amount than the actual purchase price to allow for additional services or gratuity. For restaurants and personal services merchants, this is generally 20% or more than the original purchase price amount and it will result in a hold on your available funds on the Card for the original purchase amount and the additional amount. This hold will remain in effect until we receive the transaction from the Merchant or seven (7) business days, whichever occurs first. During the hold period the funds will be unavailable.
c. Purchases That Exceed the Value of the Card. If the amount of your purchase is greater than the amount available on your Card, the difference can be paid with another form of payment, depending on the policy of the merchant. Any transaction attempted for more than the amount available on the TD Bank Visa® Gift Card will be declined. You must know the amount available on your Card and inform the merchant to process the transaction in that amount. Depending on the Merchant's policy, you may be able to use your Card toward a portion of the final purchase price, and then use another form of payment to pay the balance of the final purchase price.
d. International ATM card or Visa® Debit Card Transactions. The exchange rate between the transaction currency and the billing currency used for processing international ATM Card or Visa® Debit Card transactions is a rate selected by Visa® from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa® itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, on all international ATM Card or Visa® Debit Card transactions the Bank may charge an International Service Assessment Fee of up to 1% to offset the Bank's costs for Visa® services.
e. The card does not have a PIN and is not enabled for PIN transactions. It cannot be used to obtain cash at ATM machines or at Bank stores, or at point-of-sale terminals that require a PIN.
f. Additional Transactions. You shall not use your Gift Card for any illegal transaction. We may decline authorization for any illegal transaction or Internet gambling transaction.
g. Returns and Exchanges: The Bank, Visa® and their affiliates, employees and agents are not responsible for the services or merchandise purchased with the Card and are not responsible for the return or exchange of merchandise purchased with the Card. By use of this Card, you agree that we are not liable for any consequential damages, direct or indirect. If you think an error has occurred involving a transaction, the error needs to be adjusted and resolved with the Merchant at whose establishment the transaction was made. Exchange or return of merchandise purchased in whole or in part with the Card will be governed by the procedures and policies of each Merchant and applicable law. Return and refund policies are dependent on the Merchant from whom the purchase was made. At the time of any exchange or return, you should present both the merchandise receipt and the Card. Availability of credits added to the Balance may vary by Merchant.
How to Obtain Your Card Balance or Obtain Information on Transactions Previously Made. It is important that you keep track of the balance on your Card. To check your TD Bank Visa® Gift Card balance or to get a summary of the transactions you have made, call TD Bank Gift Card Services' automated toll-free telephone number at 800-884-4593 or go to https://tdbank.com/giftcardinfo. You are encouraged to use your Card as soon as possible and use the entire balance. You will need your card number to receive information. You should be issued a receipt for each transaction you make, unless your transaction totals $15.00 or less, but you will not receive a statement or written summary of transactions.
Theft, Unauthorized Use or Loss of Your Card. (Please note that the Card must be registered online at https://tdbank.com/giftcardinfo or by phone at 800-884-4593 to increase your chances of recovering disputed transactions.)
a. Authorized use of Card. You are responsible for all authorized and unauthorized uses of your Card except to the extent that applicable law may protect you from liability for unauthorized purchases.
b. What to Do If You Believe Your Card is Stolen or Unauthorized Transactions have occurred. Notify us immediately at 800-884-4593. You will need your Card number to receive information.
c. What to Do If Your Card Is Lost. If you lose your Card, it is like losing cash and we may not either reissue the Card or refund your money. However, we advise you to report the loss of the Card by calling us at 800-884-4593 as soon as you discover the loss. If a replacement Card is issued, a service charge may be assessed for this service. This service charge will be deducted from your remaining balance at the time a replacement Card is issued.
d. Replacement For Damaged Cards. A replacement card can be issued for the value remaining on any damaged Card and the original Card will be canceled. A service charge may be assessed for this service. The Service Charge will be deducted from your remaining balance at the time a replacement card is issued.
The Following Notice Contains Information About Your Right to Dispute Errors.
a. What To Do About Suspected Errors. In case of errors or questions about electronic transactions on the Card, write to us at TD Bank Gift Card Services, P.O. Box 1377, Lewiston, ME, 04243-1377.
b. Information You Must Give To Us. When you make your inquiry about the suspected error, you must supply us the following information:
- Your name and the Card number.
- A description of the error or the transaction you are unsure about and a clear explanation of why you believe it is an error or why you need more information.
- The dollar amount of the suspected error.
c. What Happens If We Believe No Error Occurred. If we decide there was no error, we will generally send you a written explanation within three (3) Business Days, after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
d. Disputes with Merchant. If you have a problem with any goods or services you purchase using the Card, you agree to settle any disputes arising from the problem directly with the merchant who provided the goods or services.
Validity of Your TD Bank Visa Gift Card.
a. Expired Cards: Your TD Bank Visa® Gift Card does not expire. Your card will be valid for use until the "Active Thru" or "Good Thru" date shown on the front of your Card. The administration fee1 may consume the balance of your Card before the Active Thru Date. We encourage you to use the entire gift amount before the "Active Thru" date shown on the Card. Different states may vary the period during which a Card is valid for use. If there is any remaining unused balance on the Card after the "Active Thru" date, present the Card at any TD Bank store and we will reissue a new Card to you in an amount equal to the remaining balance at no charge.
b. Card Activity: Your TD Bank Visa Gift Card is considered as active if the cardholder conducts an approved transaction for goods and services.
c. Escheated Balances: Your TD Bank Visa Gift Card is subject to escheatment laws in the state the Card was purchased. If the Card has been registered online, the escheatment is governed by the address indicated in the Card registration. Should your Card exceed the escheatment rules set by state law, TD Bank will be required to unload the Card and send any remaining balance to the appropriate state agency without notice.
Cancellation.
a. Issuer and Owner. Your TD Bank Visa® Gift Card is issued by TD Bank, N.A. We are the owner of the Card. The TD Bank Visa® Gift Card will remain our property. We may cancel your right to use the TD Bank Visa® Gift Card at any time and have you return the Card to us.
b. Change in the Program. We may change the terms of, add new terms to, or discontinue this Gift Card Agreement or the program at any time, and without giving you notice, subject to applicable law. Check https://tdbank.com/giftcardinfo for posting of the most recent terms.
Other Terms and Conditions.
Neither TD Bank, N.A. nor any other TD Bank corporate affiliate will be liable to you for failure to honor the TD Bank Visa® Gift Card.
TD Bank Visa® Gift Card Service Charges.
Fees that may be deducted from the Card balance: (1) Lost or Stolen Card = $10.00, (2) Express Delivery of Card = $35.00, (3) Check issuance = $20.00 (4) Administration fee1 = $2.50 (5) International Service Assessment Fee2
Governing Law; Venue; Severability.
This Agreement and its performance shall be governed by the laws and regulations of the United States and, to the extent not governed by federal laws and regulations, by the laws and regulations of the State of Delaware notwithstanding any choice of law principles. You and the Bank each hereby irrevocably consent and submit to the exclusive jurisdiction of the Courts of the State of Delaware sitting in the County of New Castle or the United States District Court for the District of Delaware in any and all actions and proceedings questions or controversies arising under or related to this Agreement, the Card or its use. If any term of this Agreement is found by a court to be unenforceable or illegal, all other terms and conditions will still be in effect.
a. Electronic Funds Transfer Act Does Not Apply. Neither the Electronic Funds Transfer Act nor Regulation E thereunder applies to the TD Bank Visa® Gift Card. Therefore, this Agreement is the only provision that applies and the only disclosures that you will receive from us. Please retain this for future reference.
b. Not FDIC Insured. The TD Bank Visa® Gift Card balance is not an FDIC insured deposit.
Questions or Concerns.
If You have any questions concerning your TD Bank Visa® Gift Card, please write to us at TD Bank Gift Card Services, P.O. Box 1377, Lewiston, ME, 04243-1377 or visit https://tdbank.com/giftcardinfo.
