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needing to pay water have been shut off i havent taken money from an atm even tho ive tried. i live off a fixed icome and my benefit check is deposited into my account. is there anything you can do at this time even if it means putting on the overdraft. i have a small savings im trying to build where 25.00 is taken off top after deposit shows
November 9, 2017 07:51:13 AM
In reply to Adraine, Columbia
It sounds like you are referring to our discretionary overdraft service TD Debit Card Advance.
TD Debit Card Advance is discretionary program that allows TD Bank to pay some of your debit card transactions even if the funds are not available. Overdraft availability is determined electronically at the time that the card is swiped or processed. Some factors for acceptance are: the age of your account, the balance in the account, and the past number of overdraft occurrences. If your debit card is declining then you may have met the discretionary limit that we'll allow at this time.
Enrollment in this program does not guarantee that the every transaction that will overdraw the account will be approved. TD Bank may approve or decline transactions at its discretion. The overdraft limit is based on a number of factors, and is calculated by an internal system. This limit varies from account to account, and may be updated at any time. Accordingly, we are unable to provide the amount of this limit for any specific account, the date or time when the limit may increase, or manually increase the limit.
As TD Helps is considered an unsecured forum, we do not have access to your overdraft options. We recommend contacting our Banking Specialists directly to determine this information. Specialists can be reached 24/7 at 888-751-9000, and will be more than happy to help.
If you're already enrolled for online banking, you may send us a secured message, to also inquire about your overdraft options, after logging onto your account from here: https://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center." If you have not enrolled, please call us 24/7 at 888-751-9000 and speak with our Banking Specialists. Upon account verification, they can assist you with your TD Debit Card Advance inquiry.
Additionally you always have the option of visiting your local TD Bank Store for assistance. For lobby hours and Store locations, please check out: http://go.td.com/1f9DSJR.
We hope you have a wonderful week, Adriane!
Alara B, Mount Laurel
November 9, 2017 07:51:28 AM