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time debit purchases if needed. I tried using my card at the ATM but the response was insufficient funds. Please clarify why I received this response while being enrolled in overdraft protection ?
December 1, 2014 10:54:52 PM
In reply to Courtney, Columbia
Thanks for stopping by TD Helps, Courtney and we'll be glad to clarify your question.
As you mentioned that you have overdraft protection for your account, please keep in mind that TD Bank offers both standard overdraft protection as well as our overdraft service called TD Debit Card Advance.
Standard overdraft protection usually takes the form of a savings account or line of credit linked to your account for use in the event of any overdraft.
TD Debit Card Advance is an optional service we offer 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 transactions or one-time debit card purchases even if you don't have enough money available in your account. We ask that you take a look here: http://bit.ly/1voNBCy for more details and also here: http://bit.ly/Yv0ulC for more specific information.
If your account is enrolled in TD Debit Card Advance and this is the feature you're referencing in your message, please note that this is a discretionary service. A purchase or withdrawal on your account can be declined by the Bank even if your account is enrolled in this feature based on your banking relationship.
You're more than welcome to contact one of our Banking Specialists 24/7 at 888-751-9000, who can review your account and this service with you in more detail. Or, if you'll be nearby one of our Stores, feel free to stop in during our extended lobby hours. If you click here: http://bit.ly/TDStores, you can find the TD Bank Store and lobby hours nearest you.
We hope this is helpful, Courtney and feel free to reply if you have further questions. Have a great night.
Cameron P, Mount Laurel
December 1, 2014 10:55:31 PM
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