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January 15, 2015 02:23:43 PM
Borrowing & Managing Your Credit
In reply to Loretta, Philadelphia
Great to have you here on TD Helps, Loretta! It's our pleasure to discuss this with you.
First, we invite you to take a look here: http://bit.ly/1AlDFOr for more information regarding the overdraft options available through TD Bank.
If you're currently using our overdraft service called TD Debit Card Advance, which is mentioned at the link above, please note that this is 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.
Please keep in mind that TD Debit Card Advance is not a traditional form of overdraft protection. Using this service, fees will be assessed for each posted transaction which overdraws the account, up to five items (fees) per day. Although a daily fee is not charged, please note that if transactions continue to overdraw the account, fees will continue to be assessed and this can occur each day. If you're referring to using this feature, 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.
Traditional forms of overdraft protection are typically a linked savings or line of credit which can be accessed for funds should the linked checking account become overdrawn. Descriptions of these options can also be found at the first link mentioned above. Linking your accounts for this purpose is free of charge; if TD Bank transfers funds for you, a fee can apply for the transfer. A daily fee is not assessed at this time. To compare all of these options, take a look here: http://bit.ly/1lx9Xko, and also find information on our Fee Schedule here: http://bit.ly/1cTejgt.
For additional information about your account in particular, we invite you to give one of our knowledgeable Banking Specialists a call. For your convenience, they are available 24/7 at 888-751-9000 and can review your account with you in further detail at that time.
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.
Hope this clarifies your question, Loretta! Great chatting with you and have a great day.
Kristen P, Mount Laurel
January 15, 2015 02:26:08 PM