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March 24, 2015 10:49:04 AM
In reply to Allison, Goffstown
That's a great question, Allison and we're glad you asked!
If you have a TD Bank Checking account with a debit card, you'll be glad to learn that TD Bank does not charge you any foreign transaction fees for purchases made with this card. When using this card for a purchase in foreign currency, our Customers pay the Visa exchange rate at the time of purchase. This rate is not set by TD Bank.
Additionally, while traveling in Montreal, you will be glad to know that if you withdraw funds at any TD Canada Trust ATM, you will not be assessed with any fees! To help you find TD Canada Trust ATMs near your travel destinations, please click here: http://bit.ly/1cZWU5e.
If you happen to use an ATM other than a TD ATM, please keep in mind that fees may be assessed while using international ATMs. Each withdrawal, transfer, and balance inquiry made at an ATM not owned by TD is subject to a fee, which is charged by TD Bank the same day the transaction is made. Our current Fee Schedule can be found here: http://bit.ly/1cTejgt. This fee may be assessed in addition to any fee assessed by the owner of the ATM or network, and may include fees for both withdrawals and balance inquiries. You may refer to our Personal Deposit Account Agreement http://bit.ly/1kb17UQ (pages 43-45) for more information about what type of fees to expect.
Depending on the type of account you have with us, your non-TD ATM fees may be reimbursed based on the minimum balance that you maintain. Please check out our Fee Schedule for information about the type of accounts needed to avoid a non-TD ATM fee. If you use any ATM in a foreign country, you may also incur international, currency exchange and usage fees regardless of the type of account you have at TD Bank.
Prior to leaving for Montreal, we do ask that you contact us to inform us of your travel dates so you don't run into any acceptance issues with your card while you're traveling. To do so, please contact our 24/7 Customer Service line at 888-751-9000. If you are already traveling abroad, you can reach us at 856-751-9000 via mobile telephone or calling us collect with an operator's assistance from a land line phone by asking the operator to dial 215-569-0518.
You may also send us a secure message through your Online Banking. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center." If you have not enrolled, please call us at one of the numbers listed above to speak with a Banking Specialist.
Additionally, if you are near a TD location, you can stop in to place the travel notes on your card, in person. To find a TD Store please view our locator here: http://bit.ly/TDStores.
We hope you have a great trip and take care!
Colleen B, Mount Laurel
March 24, 2015 10:50:22 AM