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We have no convenient branches of our bank nearby and ATM daily limits are a problem withdrawing cash. We have learned we can do a "cash advance" at another bank's teller window, and are wondering what fee TD bank may charge for this service. Thanks!
Becky, New York
January 4, 2017 01:43:57 PM
In reply to Becky, New York
Thanks for sending your question our way, Becky. We are glad to help.
You'll be glad to know that TD Bank does not assess a fee for cash advances made with your TD Bank Visa Debit Card. So that you're aware, your TD Debit Card has daily limits placed on it. For information on your daily limit amounts, please take a look at our Personal Deposit Account Agreement: https://go.td.com/1kb17UQ (pages 43-44).
Please keep in mind that if you perform a cash advance at TD Bank, the funds will be provided to you in cash, and you may deposit them to your TD Bank account if you wish. Please note that a cash advance does not allow funds to be transferred. If it's your intention to have the funds available in your account at another bank, we'd like to recommend that you perform the cash advance with your other financial institution so that you may immediately deposit the funds there.
Otherwise, you'll be able to use the External Transfers feature available via TD Bank Online Banking to transfer the funds to another banking institution. You’re welcome to check out https://go.td.com/2dQIvBM for more information about this service.
To use this feature, after logging onto your account here: https://go.td.com/1eaISlq, please choose the "Transfers" tab. Then click on "Transfer to Accounts Outside TD Bank." You will then be asked to accept a user agreement and review the fee schedule. After the enrollment is completed, you may continue to schedule a transfer by adding your account at a different institution. In some cases, a trial deposit is initiated at the receiving institution for verification purposes. Please note, fees may apply for External Transfer service. For the Transfers Terms and Conditions please see: https://go.td.com/2iA84VL, and for more information on the fee schedule, please take a look here: http://go.td.com/1cTejgt. For any assistance you may need with our Transfer service, give one of our Tech Support Specialists a call 24/7 at 800-493-7562.
Otherwise, feel free to stop in at any of our TD Bank Stores found here: https://go.td.com/1f9DSJR or give us a call 24/7 at 888-751-9000 for assistance from one of our Banking Specialists.
We hope the information provided here helps, Becky! Let us know about any questions and take care.
Alara B, Mount Laurel
January 4, 2017 01:44:23 PM
1 person recommended this
In reply to Alara, Mount Laurel
Thank you for answering, but you did not address my question. I do not have an account at TD Bank. I need to know if TD Bank will charge me a fee for a cash advance using my debit card from another bank.
Becky, New York
January 4, 2017 02:06:29 PM
Welcome back, Becky!
At TD Bank, customers and non-customers may request a Cash Advance using a Visa, MasterCard or Discover Card up to $5000 per card/per day. Also, your physical card must be present to process a cash advance. At this time, we do not accept American Express Cards in TD Bank Stores for over the counter Cash Advances; however, if you're an American Express cardholder with a Personal Identification Number (PIN) you may access our ATMs.
No additional fees may be charged to process a cash advance at a TD Bank Store. However, we do recommend reviewing this option with your credit card provider to ensure you are aware of any fees they may assess for this service.
Please see https://go.td.com/1f9DSJR to find a local TD Bank store nearby to make a cash advance during lobby hours, or use this link to search for a TD Bank ATM in your area by checking the "Search ATMs" box. And you are always welcome to contact a Customer Service Representative 24/7 at 1-888-751-9000 with any questions.
Thanks again for writing in, Becky. Take care!
Alara B, Mount Laurel
January 4, 2017 02:07:16 PM
What if I a TD Bank cars just open it but I can’t do the 35 fee cash advance because the ATM would not let me redraw the money.Can I still come to the bank and do the cash advance with a teller or what do I do
December 20, 2017 07:10:21 AM
In reply to Widzar, Beooklyn
Thanks for joining in, Widzar! We're always glad to help!
Based on your question, it sounds as though you're referring to TD Debit Card Advance rather than a cash advance.
TD Debit Card Advance is a discretionary service that may allow debit card transactions to process though funds may not be available in your account. We invite you to learn more here: https://go.td.com/2exVmIX.
Keep in mind that there are limits when using this service. These limits are based on your account history and are always changing. Since you've mentioned that your card was declined when using the ATM, it is possible you've reached the limit for your account. In addition to this, a Teller may not be able to process a checking withdrawal for you if your debit card was declined.
We recommend connecting with a Banking Specialist to review your account and debit card to discuss why your card would decline. You can call us 24/7 by dialing 888-751-9000, by visiting any TD Store or by sending a secure message.
Check out TD Stores in your neighborhood and their hours here: http://go.td.com/1f9DSJR.
To send a secure message using Online Banking, please sign in here: http://go.td.com/1eaISlq and select 'Send a secure message' located in the 'Message Center' on the left hand side of the page. For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in.
We hope this information helps clear things up, Widzar! Have a great day!
Megan K, Mount Laurel
December 20, 2017 07:10:47 AM