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January 9, 2015 05:55:42 PM
In reply to Jo, Harwich
Thanks for including us as you begin your travel preparations, Jo! Exciting to hear that you'll be abroad for six months and we'll be happy to let you know what to expect.
You'll be glad to learn that TD Bank does not charge any foreign transactions fees for purchases made with your TD Bank Visa debit card. However, we would like to take this opportunity to advise you about fees that can be incurred while using international ATMs.
Each withdrawal, transfer, and balance inquiry made at an ATM not owned by TD is subject to a $3.00 fee at this time, which is charged by TD Bank the same day the transaction is made. Please note that fees are subject to change at any time. This may be in addition to any fee assessed by the owner of the ATM or network, and may include fees for both withdrawals and balance inquiries.
If you use any ATM in a foreign country, you may also incur international, currency exchange and usage fees regardless of the type of account you have at TD Bank. Please refer to http://bit.ly/1kb17UQ (Pgs. 43-45) for more information about what type of fees to expect.
Please note that depending on the type of account you have with us, your non-TD ATM fees may be reimbursed with a $2500.00 daily minimum balance. Please check out: http://bit.ly/1cTejgt for information about the type of accounts needed to avoid a non-TD ATM fee.
If you have one of these account types, we suggest keeping your foreign ATM transaction receipts. We want to make sure you are properly reimbursed for your fees! If your non-TD ATM fees are not automatically refunded to you, you can take these receipts to your local TD Bank store within 90 days for an immediate credit.
Finally, if we can be of any help to you during your trip please take note of these methods to contact us. You can send a message after logging in to your online account on our site at http://bit.ly/1eaISlq by clicking on the Customer Service tab, and finding the link to Send a Message. Please also feel free to contact us from outside the United States by phone at 1-856-751-9000, or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518. We are available 24/7 for your convenience.
Hope this information helps, Jo. Have a fantastic time in Spain and safe travels to you!
Kristen P, Mount Laurel
January 9, 2015 05:57:21 PM