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I have a neg - balance in my checking account and as I am unable to pay it off at the moment can I close or suspend the account so I will stop being charged over draft fees every two weeks ?
Steve, Saratoga Springs
September 12, 2016 08:41:46 AM
2 people recommended this |
In reply to Steve, Saratoga Springs
We understand your concern, Steve. We'd be glad to discuss.
We apologize for any inconvenience however in order to close an account, the balance would need to be $0.00. As you mentioned that your account is currently overdrawn, the balance would need to first be resolved in order to close your account.
Generally, when a Checking or Money Market Account remains in overdrawn status for sixty (60) Calendar Days, or such earlier time that we determine that the overdraft balance is uncollectible, the Bank will close and place the Checking or Money Market Account in collection status.
For more information, we invite you to view our Deposit Account Agreement at https://go.td.com/1kb17UQ (pgs. 9-10) for additional information.
We'd also like to let you know that if an account continues to be overdrawn for ten (10) consecutive business days, a sustain overdraft fee may be assessed. Please take a look here at our current Fee Schedule: http://go.td.com/1cTejgt for more information.
If you would like to discuss your account with a Specialist directly, we ask that you contact us for assistance. To do so, you are able to contact us 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours. To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
In addition, if you are enrolled for Online Banking, you may send a secure message using www.tdbank.com. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center."
Please know that we would like to assist you directly however, TD Helps is considered an unsecured forum and we do not have access to your account/personal information.
We hope this information helps, Steven. Have a good day.
Megan K, Mount Laurel
September 12, 2016 08:41:58 AM