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I would like to know the procedure for paying my overdraft - please advise
Estrella, Staten Island, NY
January 26, 2018 08:47:50 AM
In reply to Estrella, Staten Island, NY
Happy Friday, Estrella, and welcome to TD Helps.
This is a great question, and we'll be more than happy to help clear up any confusion you may be experiencing.
It sounds as though your deposit account with TD Bank may currently have a negative balance, and you are looking to reinstate a positive balance on your account. If this is the case, in order to bring your balance positive again, you may simply make a deposit into your account. When looking to make a deposit, you have a couple different options available to you, such as TD Bank's mobile deposit feature, a TD Bank ATM, by speaking with one of our knowledgeable Tellers at any of our Store locations, or by even having funds credited from an employer or another financial institution.
It's important to note that with TD Bank deposit accounts, such as Checking or Savings, should the account remain in a negative balance for more than 60 calendar days, the account may be closed, and the negative balance will be reported to our Collections and Recovery Department.
If you would like to discuss your balance or any of the deposit options provided above, you're more than welcome to connect with us directly, and we'll be happy to help.
Banking Specialists are available to help 24 hours a day, 7 days a week, and can be reached by simply dialing 1-888-751-9000. If you'd prefer, you're also welcome to visit a TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a Store location, you're also welcome to send us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We hoped this help to clear up any confusion for you, Estrella.
Thanks again for bringing your question to TD Helps, and we hope you have a fantastic start to your weekend.
Brittany M, Mount Laurel
January 26, 2018 08:48:11 AM
In reply to Brittany, Mount Laurel
Would I be able to pay half and in two week pay another half or must the entire negative - overdraft protection amount be paid at one time. Please advise -- Also I don't know what the max is for my overdraft.
Estrella, Staten Island NY
January 26, 2018 01:25:36 PM
In reply to Estrella, Staten Island NY
Welcome back, Estrella!
At this time, any TD Bank deposit account will be sent to our Collections and Recovery Department after the account has remained with a negative balance for more than 60 days. While the entire negative balance will not need to be paid in one deposit, the balance will need to be brought positive again before 60 days to prevent the account being sent to collections.
In the event that your account is sent to our Collections and Recovery Department, you're than welcome to connect with them to discuss if a payment plan may be established. For your convenience, Recovery Specialists are available to help Monday through Friday, 8am to 9pm, as well as Saturday, 8am to 5pm, and can be reached by simply dialing 800-742-2651.
Additionally, please know that here at TD Bank, we pay overdrafts at our discretion, and because of this, would be unable to confirm what your overdraft limit may be at this time.
As a friendly reminder, if you'd like to speak with a Banking Specialists in regard to your overdrawn account, we're here to help, 24/7, at 1-888-751-9000.
Have a great rest of your day, Estrella!
Brittany M, Mount Laurel
January 26, 2018 01:25:54 PM