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I just switched my settings to now allow me to overdraft my account instead of just declining when there are insufficient funds. how long will this take to take effect? I have something coming out of my acct and i have to write a check for it tomorrow (or withdraw and get a money order) but the funds will not be there til friday...so now that I switched it to allow me to overdraft it can I do that tomorrow or does it take time?
December 11, 2014 12:17:33 PM
Borrowing & Managing Your Credit
In reply to amanda, ellington
Thanks for joining us today, Amanda! We'll be glad to review our overdraft options with you.
From your message, it sounds as though you recently enrolled in our TD Debit Card Advance service. If so, please note that this is an optional overdraft service we offer with our Checking accounts that may help you avoid debit card declines. If your account is enrolled in this service, we may authorize ATM transactions or one-time debit card purchases for you even if you don't have enough money available in your account. We ask that you take a look here: http://bit.ly/1voNBCy for more details and also here: http://bit.ly/Yv0ulC for more specific information about overdrafts. Once your account is enrolled in this service, it will become available for your use on the following business day. Please note that as this is a discretionary service, a purchase or withdrawal on your account can be declined even if your account is enrolled in this feature.
Additionally, as you mentioned that you wrote a check, please keep in mind that the TD Debit Card Advance feature does not necessarily apply to checks. Our Overdraft Service for checks and pre-authorized debits (ACH transactions) is standard and automatically provided to your account unless you have opted-out of this service. This link may help you understand our Overdraft Options in more detail: http://bit.ly/1lx9Xko. If you have an outstanding check that you'd like to be paid, we do recommend that you contact us to ensure you have not opted-out of this service in the past. And like our TD Debit Card Advance service, our Overdraft Service is also discretionary and items will be paid at TD Bank's determination. Please note that opting-out of this service can result in unpaid items in the event of an overdraft, but will not prevent the account from being assessed a fee.
You're more than welcome to contact one of our Banking Specialists 24/7 at 888-751-9000, who can review your account and these services with you in more detail. Or, if you'll be nearby one of our Stores, feel free to stop in during our extended lobby hours. If you click here: http://bit.ly/TDStores, you can find the TD Bank Store and lobby hours nearest you.
We hope this information clarifies your options, Amanda and we welcome you back if you have other questions! Enjoy your day.
Kristen P, Mount Laurel
December 11, 2014 12:20:02 PM