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I overreacted my account and I will not be getting a deposit until a month and a half from now. Will $20 be charged every 10 days until I even out the negative balance, or just once? Thanks.
Sherley, New York, NY
July 18, 2016 07:34:51 AM
In reply to Sherley, New York, NY
Welcome the TD Helps Community, Sherley. We understand your concerns and we'll be glad to provide you with some information.
We'd like to let you know that overdraft fees are assessed the following business day of when your account is overdrawn. If your account is overdrawn by the 10 consecutive days, a one-time Sustained Overdraft fee will be applied to your account. To learn more about fees that may apply, we recommend you check out https://go.td.com/1cTejgt.
If your account remains in an overdrawn status for 60 Calendar Days, or if at an earlier time we determine that the overdraft balance is noncollectable, we may close and place the account in collection status. For additional information, please check out pages 9-2 of our Personal Deposit Agreement by clicking here: https://go.td.com/1kb17UQ
If you have any other questions regarding the specifics of your account, to better assist you, you may contact us 24/7 at 888-751-9000 or feel free to visit us during lobby hours to speak with a Customer Service Representative. Upon proper account verification, we will be gladly to assist you. Click here: https://go.td.com/1f9DSJR for a list of TD Stores and hours near you.
Additionally, if you are enrolled for Online Banking, you may send a secure message using www.tdbank.com. If you have not enrolled, you can do so for free by following this link: https://go.td.com/1lU2qfY. You will need your account number, Social Security number, your email address and your current TD ATM/Debit card. If you run into any problems enrolling or if you do not have a TD ATM/Debit card to enroll online, please call us 24/7 at 888-751-9000 to speak with our Banking Specialists.
To send a secure message you must first log in to your TD Bank online profile. You can do so by clicking here: https://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center.” If you choose this option to communicate with us, you should expect a response within 24 hours.
We hope this information is helpful, Sherley. Have a great day!
Alara B, Mount Laurel
July 18, 2016 07:35:12 AM