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I'm almost up to -$400 in my balance and I'm gonna need to get money out soon to pay off rent and phone bill. I been overdrafting my account without getting a 2nd thought at what I'm doing. I'm relocating soon and I'm planning on switching banks (since there no TD Bank where I'm gonna be living) unless I can someone work it out just using direct/mobile deposit.
I need a way of being able to get rid of my near -$400 balance on my account so I can be ready to pay off rent soon plus pay my phone bill. I recently became employed but haven't been paid yet, my employer been confusing me about when I'm being paid and I recently filled out some W-4 form for my employer. I work at Subway Restaurants.
Michael, Riviera Beach
August 12, 2015 01:43:28 PM
In reply to Michael, Riviera Beach
We appreciate your visit today, Michael. We'd be happy to help!
Although you will be relocating to an area where there are no TD Stores and even if you have a negative balance, please rest assured as TD remains committed to being available for your banking needs no matter where you are. We offer an automated system that you can check your balance, review pending transactions recently posted items and more. To access the automated system 24/7, please dial 888-751-9000, to speak with a live Specialist, please select "0" at any point during the recording and we will be more than happy to assist with your banking needs.
Online Banking is a great tool to keep track of your account from the comfort of your own home. If you are not currently enrolled for an online account, you may do so at any time by clicking here: http://bit.ly/1lU2qfY. When you're ready to enroll you'll need your account number, ATM/Visa Debit Card number, Social Security number and email address to complete the process. If you run into trouble, you can reach us at the number mentioned above.
Once enrolled for Online Banking, you have the option of using the Mobile Banking App if you have a smart phone. To receive a link to download the Mobile Banking App, please visit here: http://bit.ly/1hOPk1H. Keep in mind that your user name and password that you set up for your Online Banking are the same for the application. You'll then be able to make deposits on the go! Please note; there are daily limits and 30-day limits on our Mobile Deposits. The limits on mobile deposits depend on the length of your relationship with TD Bank. Please visit: http://bit.ly/1e3jiYF for more information on Mobile Deposit.
If Mobile Banking isn't for you, you may always make deposits via mail. You may mail your deposits to:
TD Bank, N.A. ME2-001-033 P.O. Box Number 1190 Lewiston, ME 04243
Like any other deposits, a few simple guidelines apply:
Cash should not be sent through the mail
Payee of the check and name on deposit ticket should be the same
Checks should be endorsed (and restricted for deposit only)
Multiple checks should be listed and a total of the deposit listed
Enclose the deposit ticket, not the carbon copy
If using a blank deposit ticket, please write account number clearly
Do not staple transactions
You may also utilize your local ATMs to check your balance and make deposits. If you plan to check your balance at a non-TD ATM, please keep in mind that fees may apply. For more information about applicable fees, take a look here: http://bit.ly/1cTejgt.
You may also make deposits at ATMs in your area that are non-TD Bank ATMs. You can do so at any ATM that is listed as a NYCE shared deposit machine. Please keep in mind that any deposits made at a non-TD ATM will take longer to clear your account and can take up to 5 to 7 business days. Also, longer delays may also apply under certain circumstances; for more information, we recommend reviewing our Personal Deposit Account Agreement http://bit.ly/1kb17UQ. On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
Please also keep in mind, when an account remains in an overdrawn status for sixty Calendar Days, or such earlier time that we determine that the overdraft balance would be uncollectible, the Bank will close the 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) for additional information. We'd also like to let you know that if an account continues to be overdrawn for ten consecutive business days, a sustained overdraft fee may be assessed.
If your account does close due to a negative balance, you may connect with a Specialist regarding a charged off account at 800-742-2651. Our Recovery Department Specialists are available Monday through Friday from 8:00 AM - 9:00 PM and Saturday from 8:00 AM - 5:00 PM. Once connected, they would be able to provide more information and make payment arrangements.
We hope this was helpful information, Michael. If you have any other questions, please let us know.
Yen D, Mount Laurel
August 12, 2015 01:46:55 PM