TD Debit Card AdvanceSM

TD Debit Card Advance is a optional overdraft service we offer with our personal checking accounts that may help you avoid debit card declines. Enrollment is not automatic - you must sign up for it.

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TD Debit Card Advance

How it Works Once enrolled, 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. Please read this Important Information about TD Debit Card Advance.

If you don't sign up for this service, your one-time debit card purchases and ATM transactions will be declined at the time of swipe when you don't have enough funds to cover the transaction and no fees will be assessed.
Cost to Enroll No fee to enroll - Fees are only charged when you use the service.
Cost of Use If you overdraw your account:

overdraft fee per item paid or returned1

one-time sustained overdraft fee when account is negative for 10 consecutive business days

max overdraft fees per day

Signing up for TD Debit Card Advance is simple.

New Customers

Enroll when you open your account online or at your local store.

Current Customers

Enroll in TD Debit Card Advance to help avoid future debit card declines.

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1 If you are overdrawn by $5 or less at the end of the business day, no Overdraft Paid, Overdraft Returned, or Overdraft Protection Transfer Fees will be charged.