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funds while in California. If so, how and is there a charge for this service as there appear to be no TD banks in California?
Patricia, Sherwood Park
January 21, 2015 02:33:01 PM
In reply to Patricia, Sherwood Park
Great to hear from you, Patricia! We're more than happy to chat with you about traveling with your TD cards.
From your message, it sounds as though you have accounts with both TD Canada Trust as well as TD Bank within the US – thank you for your business! Since you've reached us here in the US, we'll discuss TD Bank US accounts with you today. Just in case your accounts are held at TD Canada Trust (for example, a US Dollar account), feel free to take a look here: http://bit.ly/WleH39 for more information, or contact our friends there this way: http://bit.ly/1woOVay.
First, we'd like to let you know that TD Bank Stores are currently located on the East Coast and we do not have any partner banks or networks in the California area. However, please keep in mind that you'll be able to make an ATM withdrawal using your TD Bank Visa Debit card or TD ATM card, even if you're not near a TD ATM. Our Debit cards can be used at any ATM which accepts the Visa or NYCE networks, and ATM-only cards can also be used on the NYCE network. Search for these logos on a local ATM to make your withdrawal.
In order to use your TD Visa Credit Card for a cash withdrawal, you'll need the PIN which was originally sent with your card to use an ATM, or you'll be able to do a cash advance at a local bank in California. If you're unable to locate your current PIN, you're welcome to speak with a Card Services Specialist, available 24/7 at 888-561-8861 who can change it over the phone for you. For either of these services, we do recommend reviewing your credit card terms to be aware of any limits, fees or higher rates which may apply. Please see http://bit.ly/1klVfbF for a copy of the generic Personal Credit Card Agreement. If you would like to get your specific card agreement, you can register your credit card within http://bit.ly/1lVKil9, or call a Representative as above, to request a copy. Please also see http://bit.ly/1qpoSRC for our Credit Card Frequently Asked Questions,
We understand that you'd like to avoid ATM fees while in California. Although we don't have ATMs available there right now, please note that many major retailers and grocery chains will allow you to get cash at the register without a fee. If you're using a Visa Debit card, when making your purchase, please look for a cash-back option at the time you're swiping your card to avoid paying ATM fees for cash. We also recommend reviewing your available balance prior to your withdrawal; this option is always free by logging into your TD Bank online account at http://bit.ly/1eaISlq or by phone at 888-751-9000. If you're not yet enrolled for online banking and would like to be, please begin here: http://bit.ly/1lU2qfY and be sure to have your account number, debit card number, Social Security number and email address nearby.
TD Bank does offer several account options which rebate your non-TD ATM fees. To see if you will be affected by ATM fees, please check out these links for further details: http://bit.ly/1rYwGdO and http://bit.ly/1cTejgt. For transactions conducted at non-TD ATMs, the institution that owns the terminal (or the network) may assess a fee at the time of your transaction, including for balance inquiries. In certain instances, we will reimburse you for these fees and non-TD ATM fees if you make your withdrawal from any of these account types: TD Premier Checking, TD Relationship Checking, TD Relationship Savings, and some Private Banking accounts. To find your account type you can review your account via your Online Banking as mentioned above. Or if you'd like, feel free to contact a Customer Service Representative directly at 888-751-9000, 24/7. They can review your account type and provide any additional suggestions tailored to your accounts to avoid ATM fees.
Please keep in mind, since it sounds like you're visiting California on a temporary basis, we recommend placing a travel notification. This helps us recognize unauthorized transactions on your account and card, and can prevent your card from becoming blocked. Please be informed that for your protection we will continue to monitor your card activity even when a notification is set. We also recommend carrying more than one method of payment while traveling, just in case you encounter any acceptance issues.
If you haven't already done so, the easiest way to set a travel notification is to send us a Secure Message from your TD Bank Online Banking account, using the login link provided above. You can then send us a message by clicking on the Customer Service tab, then using the Send a Message link. Please include your exact travel dates, destinations and any connecting flight information if applicable.
Or, feel free to contact a Representative directly at the number listed above, and we're available 24/7 to assist you. To place a travel notification for your credit card, use our TD Card Services number mentioned earlier (888-561-8861).
We hope we covered it for you, Patricia! Hope this helps and have a fantastic trip!
Kristen P, Mount Laurel
January 21, 2015 02:38:43 PM