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If I deposit money into an account that has reached the overdraft limit, can I then use that money right away, or is it accepted as a payment? Let's say the overdraft limit is $200, and I deposit $100, can I then spend that 100 dollars, or does that 100 belong to the bank as payment of an overdraft fee?
December 24, 2014 02:21:49 PM
In reply to Alice, Kingston
Welcome to TD Helps, Alice. We'd be happy to shed some light on things.
TD Debit Card Advance is an optional overdraft 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.
Keep in mind that this is a discretionary service, a purchase or withdrawal on your account can be declined even if your account is enrolled in this feature. 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.
Please know that we would like to assist you directly; however TD Helps is considered a public forum and we do not have access to your personal/account information to provide more specific help at this time. Please reach out to us at the number above if you have any further questions or concerns.
We hope this helps, Alice and have a good day.
Megan K, Mount Laurel
December 24, 2014 02:22:27 PM