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how much money can I use for my overdraft
June 8, 2017 10:01:13 AM
1 person recommended this |
In reply to Harold, NMB
Thanks for coming to TD Helps for your answers today, Harold. This is a great question, and we'll be happy to help as best we can.
Based on your concerns, you may currently have a form of Overdraft Protection linked to your checking account. We would like to take this opportunity to let you know that TD Bank currently offers both a standard Overdraft Protection, as well as a discretionary service, TD Debit Card Advance.
Our standard Overdraft Protection will either be in the form of a savings account, or a line of credit that you may have linked to your checking account. If this is the Overdraft Protection option you are referring to, please note that available funds would be drawn from your savings account or line of credit in the event that your checking account balance fell below $0.00. In order for the funds to be drawn from either of these accounts, the funds would need to be currently available.
TD Debit Card Advance is a service offered 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 withdrawals or one-time debit card purchases, even if you don't have enough funds available in your account. We ask that you take a look here: https://go.td.com/1voNBCy for more details, and also here: https://go.td.com/20QUDRQ for more specific information about this service.
If your account is currently enrolled in TD Debit Card Advance, please note that this service is offered at our discretion, and will be approved based on conditions such as the length of your relationship with TD Bank or how many times you may have overdrawn your account in the past.
In addition, please note that fees may apply for both of these services. We invite you to take a look at our fee schedule here https://go.td.com/2lbbfGg for more information on what fees you may expect.
You're more than welcome to contact one of our Banking Specialists, 24/7, at 888-751-9000, for more specific information in regard to your exact form of overdraft protection. You're also able to visit any TD Store during lobby hours for assistance. To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
We hope this information was helpful, Harold. Please don't hesitate to let us know if you have any further questions, and we hope you have a great day.
Customer Service Team, Mount Laurel
June 8, 2017 10:01:51 AM