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Can you overdraft in the inside of the bank with a teller? Also can you overdraft twelve hundred dollars with them?
January 10, 2016 07:10:23 AM
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In reply to Shakiyla, Columbia
Thank you for submitting your question to us on TD Helps, Shakiyla. We'll be happy to clear up some confusion regarding our overdraft policy.
First, we invite you to take a look here: http://bit.ly/1AlDFOr for more information regarding the overdraft options available through TD Bank.
If you're currently using our overdraft service called TD Debit Card Advance, which is mentioned at the link above, please note that this is an optional overdraft service we offer with our checking accounts that may help you avoid debit card declines. If your account is enrolled in this service, we may allow you to authorize ATM transactions or one-time debit card purchases even if you don't have enough money available in your account. Please keep in mind that this is not a traditional form of overdraft protection. For this reason, limits for approvals for purchases or withdrawals with your card are made at the discretion of TD Bank, and no predetermined limit applies.
If you're currently using this feature, we ask that you take a look here: http://bit.ly/1voNBCy for more details and also here: http://bit.ly/Yv0ulC for more specific information.
Traditional forms of overdraft protection are typically a linked savings or line of credit which can be accessed for funds should the linked checking account become overdrawn. Descriptions of these options can also be found at the first link mentioned above, Shakiyla. With these forms of overdraft protection, you'll know in advance how much you'll be able to spend, depending on the amount in your savings account or line of credit. To compare all of these options, take a look here: http://bit.ly/1lx9Xko.
To review your account and determine which overdraft option you're using, we invite you to give one of our knowledgeable Banking Specialists a call. For your convenience, they are available 24/7 at 888-751-9000 and can review your account with you in further detail at that time.
Or, if you'll be nearby one of our Stores, feel free to stop in during our extended lobby hours. If you click here: http://bit.ly/TDStores, you can find the TD Bank Store and lobby hours nearest you.
We hope that you have a wonderful morning, Shakiyla. Let us know if you have any further questions.
Kris M, Mt. Laurel
January 10, 2016 07:10:39 AM