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.
I was at a store yesterday and forgot I had no money on my checking because it was all in my savings. After I made the purchase, I went onto my app and immediately transferred the exact amount I had just spent by using my TD app. Am I going to get a fee for that because I didn't reimburse with cash or at a bank teller?
Stephanie, Port Jefferson Station
July 2, 2015 06:51:11 PM
In reply to Stephanie, Port Jefferson Station
Good evening, Stephanie,
Thank you for writing in – we understand your concerns and would like to help you avoid a fee.
Typically, in order to prevent overdraft fees from occurring, a deposit or transfer must be made prior to the end of the same business day on which the overdraft is occurring. Deposits in cash must be made prior to 8:00 pm, and transfers must be made prior to 11:00 pm on the same business day. Since it sounds as though your overdraft and transfer both occurred on the same business day within the correct time frame, you may be able to avoid a fee.
To be certain, we'd like to review your account with you. Please understand that even though we would like to help you directly, because TD Helps is considered an unsecured forum, we do not have access to your personal account information. With that being said, we do ask that you contact us directly at 888-751-9000, available 24/7. After you connect with our Specialists and after account verification, we would be happy to check on this for you.
Additionally, you may visit any TD Bank Store to have your account reviewed in person. For a listing of TD Bank Stores please see here: http://bit.ly/TDStores.
If you prefer and you are enrolled for online banking, you can also send us a Secure Message so that we can review your account further. To send a secure message you must first log in 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."
We hope this provides you with some clarity, Stephanie.
Please let us know about any questions and wishing you a great holiday weekend!
Kristen P, Mount Laurel
July 2, 2015 06:52:48 PM