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Hi, I recently requested a transfer from my Canadian TD account to my US TD account. This is the second time I requested a transfer like this. However, this time, the description shows " me to me wire" while last time was not. Furthermore, last time, I was told by the phone agent that the funds would be available in around 6 hours, but this time I was told I should give around 24 hours. I am wondering what is the difference between a Visa direct and a me to me wire?
Also, what if "me to me wire" is not successful, what will the money go?
September 30, 2017 01:11:31 PM
In reply to Yumin, Pittsburgh
Good afternoon, Yumin, and thanks for bringing your concerns to TD Helps today.
We sincerely apologize for any confusion, and we'll be more than happy to explain our Cross Border Banking service in further detail.
We'd first like to confirm that the description for your transfer, a Me to Me Transfer, is another name used by TD Bank and TD Canada Trust for a Cross Border Banking service, and because of this, you should have peace of mind in knowing that your transfer will be successfully credited to your account.
The time your transfer is initiated will determine when your transfer will be credited to your account, whether that transfer be credited your account in the United States, or in Canada. If your Cross Border Banking transfer is completed before 2:00pm on a business day, your funds should be available in your account on the following business day. In the event that you perform a Cross Border transfer after 2:00pm, or a non-business day, such a weekends and holidays, the transfer will be completed on the following business day, to be credited the day following. For example, if you call to perform a Cross Border transfer on a Saturday, the transfer will be completed on Monday, and be fully credited to your account on the next business day, which would be Tuesday.
If you have any additional questions or concerns, or if you'd prefer to go over your account and transfer with a Specialist, you're more than welcome to connect with us directly. Our Cross Border Banking Specialists can be reached by calling 877-700-2913, option one to speak with a TD Canada Trust Cross Border Banking Specialist, and option two for a TD Bank Cross Border Banking Specialist.
We sincerely hope this provides you with peace of mind, Yumin. Thanks again for stopping by, and we hope you have a great weekend!
Brittany M, Mount Laurel
September 30, 2017 01:11:50 PM
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