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I just began my account and put 100 dollars in. If my account value goes negative, what happens? Do i need to put money back in to it or will i be billed? Can it hurt my credit?
May 3, 2017 08:24:37 AM
In reply to Sam, Cornelius
We understand your concerns, Sam. We'd be glad to discuss.
Please know that anytime your account is overdrawn greater than $5.00, each transaction up to five may result in an overdraft fee. You are able to view our Fee Schedule here: https://go.td.com/2kFZ5mK. Keep in mind that when an overdraft occurs, the account holders are responsible for resolving the entire overdrawn balance.
If an account maintains an overdrawn balance for 60 consecutive days, the account may be closed and turned over to our Recovery Department. In this instance, the account would be considered to be held by collections and may affect your credit.
If you'd like to discuss your account, we ask that you contact us directly. To do so, you are able to contact us 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours. To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
In addition, if you are enrolled for Online Banking, you may send a secure message using www.tdbank.com. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center."
We hope this information helps, Sam. Have a good day.
Megan K, Mount Laurel
May 3, 2017 08:24:59 AM