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October 30, 2015 05:53:54 PM
In reply to betty, sicklerville
Hi there Betty,
Don't worry if your account is only overdrawn by $0.32; generally speaking, you can overdraw your account by up to $5 per day without being charged a fee. If your total negative balance exceeds $5 at the end of the day, TD Bank could assess an overdraft fee for each transaction that overdraws your account, up to 5 overdraft fees per day. Please follow this link: http://bit.ly/Yv0ulC for additional detailed information on page 3, as well as at our current Fee Schedule: http://bit.ly/1cTejgt for more information.
To answer your question, please note that a Sustained Overdraft fee of $20.00 could apply if your account remains overdrawn for ten consecutive days. Kindly note that this is subject to change and you can double-check on this at the Fee Schedule we just provided.
Please also note that when an account remains in overdrawn status for sixty calendar days, or earlier at the Bank's discretion, the Bank can close your account and place it in collection status. For more information, we invite you to view our Deposit Account Agreement at: http://bit.ly/1kb17UQ (pgs. 9-10).
If you have any questions about this, Betty, we encourage you to get in touch with us. We're available 24/7 at 888-751-9000, or you can stop in to any of our Stores so we can check your account using our Store locator here: http://bit.ly/TDStores.
We hope this helps, Betty!
Thanks again for writing in and have a wonderful weekend.
Kristen P, Mount Laurel
October 30, 2015 05:54:51 PM