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October 29, 2015 10:38:17 AM
In reply to Charlie, babylon
Thank you for getting in touch with us today, great to see you.
If you're planning to travel outside of the U.S. or Canada, you are able to use your TD Visa Debit card at locations that accept VISA across the globe. To answer your question, in general a non-TD ATM fee would apply when you use other banks' ATMs. We encourage you to check out our current Fee Schedule at: http://bit.ly/1cTejgt, as it outlines any applicable fees that may come into play when you use your debit card out of the country.
You may like to know that we do have some accounts which will rebate your non-TD ATM fees. You can see a listing of these account types on the chart at the link above. If you determine that you have one of these account types, we recommend reviewing the requirements the account must meet in order to qualify for the fee rebate. You can reach us anytime, 24/7 at 888-751-9000, to discuss this if you're not sure.
If your account does qualify for this, we suggest keeping your ATM receipts from your out-of-country withdrawals. If for any reason your rebate doesn't occur but you've met the requirements, you'll be able to bring your receipts to any TD Bank Store within 90 days to get a refund. More information is available here: http://bit.ly/1kb17UQ (pages 45-46).
To make sure you do not experience any acceptance issues while away, we recommend placing a travel notification on your account before you leave for your trip. You can do so anytime by calling our 24/7 Customer Service line at the number mentioned above.
If you are enrolled in Online Banking with us, you can also submit your travel notification via secure message. This is also a great way to reach us once you're outside the country, if needed. To send a secure message, you must first log in to your TD Bank Online profile. You can do so by clicking here: http://bit.ly/1eaISlq. Then, on the left side, you should see an option to "Send a secure message" located in the “Message Center.” In your message, please include the dates and destination(s) you will be traveling. If you are not enrolled in Online Banking yet, you can do so for free here: http://bit.ly/1lU2qfY. You will need your Social Security number, TD Bank ATM/Visa Debit card number, your account number and email address. Once you have successfully enrolled, you will have immediate access to your accounts.
While traveling, we recommend carrying more than one method of payment, just in case you encounter any acceptance issues. For more travel tips while overseas, please visit http://bit.ly/1gDrDYu. You may also want to review our International Travel Tips Frequently Asked Questions by clicking here: http://bit.ly/1ltwDDc.
And should you need to reach us, you can contact us by secure sessage as listed above, or to contact us by phone from outside of the United States, please dial (856)-751-9000, or or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518.
We hope this is helpful information, Charlie.
Feel free to reply if you think of anything else! We wish you a wonderful day and a safe trip.
Kristen P, Mount Laurel
October 29, 2015 10:39:07 AM