Small Business Banking
Private Client Group
Personal Financial Services
For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
March 6, 2015 07:36:25 AM
In reply to catherine, hillsboro
Great seeing you here on TD Helps, Catherine! We'll be happy to discuss your options in this instance.
First, we'd like to let you know that in order to send a wire transfer, you must be present at any TD Bank Store with the other bank's wiring instructions. We're located on the East Coast from Maine to Florida, and for a listing of all of our Stores, please visit http://bit.ly/TDStores.
Seeing that you're out of our area right now, we'll be happy to provide some alternatives that may be possible for you. We also invite you to give us a call, 24/7 at 888-751-9000. We'll be glad to hear more about the transfer you'd like to do so that we can recommend your best options.
We'd like to provide a few possibilities for obtaining your funds from your current location. First, if your account is a joint account, any owner may visit us at a Store to initiate the wire, if one of you is currently located nearby. As another option, if you have any checks for your TD Bank account, you may wish to deposit one of these to a local account you have. Once the funds have become available, if you need to wire the funds elsewhere you may do so from that bank. Or, feel free to withdraw funds either via ATM or by Visa Cash Advance using your TD Bank Visa Debit card, and then deposit these to your local account.
If you may opt to withdraw funds using either an ATM or a cash advance, please note that daily limits on our Visa debit cards are $750.00 for ATM withdrawals, and $5,000.00 for cash advances. For additional info, please take a look here: http://bit.ly/1kb17UQ on pages 43-44.
If you are expecting to withdraw more than what is permitted on your daily limit, we can offer a couple of options to request an increase. Please note, in order to have your debit card limit increased you must have a deposit account older than 90 days that is in Normal status and have a sufficient balance to cover the requested amount.
To increase one of the limits on your Visa debit card, you can send us a written request via fax or Secure Message. You can send the fax to our Fulfillment Team at 856-533-1138, or please log in to your TD Bank Online account at http://bit.ly/1eaISlq and use the Send a Message link after clicking the Customer Service tab. With either method, please include the following information:
• Subject: Limit Increase • Account Number • Debit/ATM Card Number • Your Name • Contact Telephone Number • A Statement indicating to 'Please increase my total daily Visa (or POS or ATM) limit to $X for the day.'• Your Signature (for the fax option only)
Please note, limit increases are temporary and the transaction must be completed the same day that the limit increase is granted. If you are interested in a permanent limit increase or decrease, you must visit your local TD Store location to make the request.
We would also like to let you know that you may be able to take advantage of one of our Transfers features, depending on where the funds will be sent and the amount. There are two options available for your personal accounts: External Transfers and Person-to-Person Payments.
External Transfers are used if you're sending money from your personal account with TD Bank to your account at another Financial Institution. This option is available via Online Banking.
If you are already enrolled for Online Banking, please click here http://bit.ly/1eaISlq. After logging onto your account, please choose the "Transfers" tab. Then click on "Transfer to Accounts Outside TD Bank." You will then be asked to accept a user agreement and review the fee schedule.
After the enrollment is completed, you may continue to schedule a transfer by adding your account at a different institution. To do so, select "Add a New Account." You will then be prompted to select the type of account followed by the account and routing numbers. Once you enter the required fields, the transfer service will then display whether or not you can make an immediate transfer. In some cases, a trial deposit is initiated at the receiving institution for verification purposes. You’re welcome to check out http://bit.ly/1jXKYqq for all of the exciting details.
When sending an External Transfer, you will have two delivery options, three-day or next-day delivery. To qualify for the next-day delivery option, you must wait 90 days from your first successful three-day transfer and must not have had any transactions that overdrew your account in the past 90 days. Please note, fees may apply for External Transfer service. For the Transfers Terms and Conditions please see: http://bit.ly/1pADlWD, and for more information on the fee schedule, please take a look here: http://bit.ly/1cTejgt.
If you're looking to transfer funds from your personal TD Bank account to someone else's account at another Financial Institution, Person–to–Person transfers would be the option you'd like.
This feature is also available to you by logging into your Online Banking. You may click on the tab at the top of the page titled "Person-to-Person Payments." You will then be asked to accept a user agreement, review the fee schedule and confirm your email and phone number. A text and email code will be sent to the mobile number and email address we have on file for you. Next we will request you to submit both codes for verification to complete the enrollment process. Once the enrollment is complete you’ll be ready to send the payment!
You will have the same two delivery options when sending a Person-to-Person payment as you do for External Transfers; there is the three business day option and the next business day delivery.
For the information on limits for these services, please check out this link: http://bit.ly/1pADlWD (Pg 3. section 1.16). Generally, all customers are supplied with our standard limits for this service. Usually, if you have no insufficient funds occurrences for 90 Days (rolling), the limit is increased to our higher limit automatically at the discretion of the bank. Your individual transaction limits are available once you log in to your TD Bank account online; please log in here: http://bit.ly/1eaISlq. Click on the information icon to the right of the amount box when entering this information for a transfer.
If you are not currently enrolled for Online Banking for your personal accounts, no worries! We have you covered. You may use our self-service option by visiting http://bit.ly/1lU2qfY to begin the enrollment process. In order to do so, you will need your account number, TD Bank ATM/Debit Card, your Social Security number and your email address. When you finish the enrollment process, you will have immediate access to your account(s).
If you need any assistance at all with these services, just reach us 24/7 at 800-493-7562 to speak with a Tech Support Specialist. Upon proper account verification, we would be happy to help get you started.
Hope this answers your question and provides some help, Catherine! Best of luck and take care.
Yen D, Mount Laurel
March 6, 2015 07:59:05 AM