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I am currently out of the country study abroad and I was charged an overdraft fee on my account because my account went negative for a few hours. I was waiting for a deposit and was under the impression that as long as the money is reimbursed by the end of the day it would be fine so I am wondering who I can contact to get this fixed without have to speak on the phone being I can't.
Courtney, Rocky Point
February 15, 2018 08:38:02 AM
In reply to Courtney, Rocky Point
Good morning, Courtney, and welcome to TD Helps.
We're sorry to hear that you were recently accessed an overdraft fee to your account, and we'll be more than happy to connect you with someone who can help.
Before we begin, we'd first like to take a moment to explain our overdraft policy in a bit more detail so that you may avoid being assessed any fees in the future. Here at TD Bank, transactions are processed in chronological order. In the event that a transaction is going to be debited from your account, we always recommend ensuring the any credits are processed before that transaction, as an overdraft fee may be assessed if a transaction is debited from your account without a sufficient balance.
If you'd like, you're welcome to check out our Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI to learn more, pages 10-12 for information on Overdrafts. You can also review our Fee Schedule here: https://go.td.com/2lbbfGg.
As you mentioned that you'd like to discuss this overdraft fee in further detail, we're here to help. We understand that you may not have access to a phone at this time, and while we're unfortunately unable to assist you directly via TD Helps, you're more than 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, towards the right hand side of your screen, you should see a 'Your Secure Messages' section. To send a message, simply click 'Send us 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.
Just in case you may be able to access a phone, and would prefer to connect with one of our Banking Specialist, you may dial toll free at 1-856-751-9000, 24 hours a day, 7 days a week. You may also call collect, with operator assistance from any landline device, by asking the operator to dial (215)-569-0518.
We look forward to hearing from you soon, Courtney, and we hope you enjoy the rest of your studies abroad.
Brittany M, Mount Laurel
February 15, 2018 08:40:30 AM