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Dear TD Bank, I recently was in the U.S. over the holidays and tried to deposit money to my account at a TD Bank ATM in Queensbury, NY. I reached the step where the ATM took the cash deposit but it returned it several seconds later with the error message that the transaction could not be completed at this time. I tried one more time to be sure but I was not successful. Does this mean that my account is dormant? I have not received any notice to this effect. Could you please advise. Yours sincerely, Shirley
January 29, 2015 06:32:48 PM
In reply to Shirley, Montreal
Great question, Shirley and thanks for connecting with us on TD Helps!
Please note, activity would be required for an account in order to maintain an "Active" status. If no Customer-initiated activity (deposits, withdrawals, or debit card transactions) occurs on an account, it will be considered "Inactive" after a specified period of time. Savings Accounts, Checking or Money Market Accounts are automatically changed to an "Inactive" status after 1 year of no Customer-initiated activity, and these accounts will be "Dormant" after 3 or 5 years of no activity depending on your region or State.
Please keep in mind that once an account becomes "Dormant," it can be turned over to the State after a number of years, depending on your location.
If you happen to have another deposit account with TD Bank that is currently active and your account is simply in the Inactive status, you can contact us directly as we would be happy to transfer funds into the inactive account for you and then reinstate your account back to active status. On the other hand, if the account is Dormant, you'll want to mail in a deposit or visit a TD Bank Store to make a deposit or withdrawal over the counter to reactivate. You may search for a TD Bank located nearby at http://bit.ly/TDStores. If you have any further questions, we ask that you connect with our Banking Specialists at 888-751-9000. We are available 24/7 and would be happy to help. Or as always, if you have any questions regarding your account or would like further assistance, we also recommend visiting a local TD Bank to speak with a Customer Service Representative.
Once your account is back to an active status, we do have some options for you to complete your banking without the need to visit a TD Bank Store. Please note that we offer fully featured online and mobile banking services and live telephone support available 24 hours/day, 7 days/week, 365 days/year.
If you are not currently enrolled for Online Banking, you can sign up by clicking here: http://bit.ly/1lU2qfY, if you have a TD Bank Visa Debit card or ATM number, and a US Social Security number. If not, you're more than welcome to contact a Banking Specialist directly for assistance with enrollment.
Once you're enrolled, you're welcome to use this service to help you keep track of your account, and you can even communicate with us whenever you'd like using our Secure Messaging service available once you log in. To do so, please log in at our full website here: http://bit.ly/1eaISlq, click on the ''Customer Service'' tab, and the use the ''Send a Message'' link to talk with us about your account questions or requests.
We'd also like to provide a little information for you, considering that you mentioned that your account may be dormant. Please see the article listed here: http://1.usa.gov/1ED20S9, which reviews information about abandoned or unclaimed accounts in the US.
Please note that if this has occurred with your account, you'll be able to contact the State to claim the funds. There is no time limit to do this. You may be able to locate the contact information via your State's website, or you're welcome to contact us and we'll be able to provide that info over the phone.
If you are a TD Canada Trust customer and you're inquiring if your account is dormant, take a look at http://bit.ly/1tAmI3N to see a conversation with our friends from up North to help you. If you have any further questions regarding a TD Canada Trust account, feel free to call 866-222-3456.
We hope this helps you today, Shirley! Let us know of any questions you have, and have a great one.
Cameron P, Mount Laurel
January 29, 2015 06:34:05 PM
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