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Two weeks ago TD Bank allowed me to overdraw about $600, now it is denying me when my account is overdrawn less than $400. I know I am overdrawn, and that I shouldn't be, but this is an emergency situation and I am in desperate need of $200 that i thought I'd be able to take from my account, but it is not letting me. When I try to take money out of the ATM it no longer even tells me I have insufficient funds, it just tell me that my transaction can not be completed and then spits out my card. I am trying to understand the process. I get direct deposit in excess of $1100 every two weeks so the money I overdraw will definitely be covered when my direct deposit comes through. Thanks for your help!
November 5, 2015 02:37:14 PM
1 person recommended this |
In reply to Erica, Bethpage
Hi there Erica,
We're sorry to hear about any recent hardship and apologize for any confusion here about our overdraft services. We're glad to discuss this with you a bit here.
First, from your message it sounds like your account is enrolled in our overdraft feature called TD Debit Card Advance. This is an optional service you can enroll in with our checking accounts that may help you avoid debit card declines. If your account is enrolled in this feature, we may allow you to authorize ATM transactions or one-time debit card purchases even if you don't have enough money available in your account. For more details, we ask that you take a look here: http://bit.ly/1voNBCy and also here: http://bit.ly/Yv0ulC for more specific information.
To answer your question, we'd like to let you know that TD Debit Card Advance is a discretionary service and your purchase or withdrawal attempts can be approved or declined systematically by the Bank. We take your relationship, account history and spending patterns into account when making a decision to approve or decline a transaction.
Since your recent attempts were not successful, you're more than welcome to contact one of our Banking Specialists 24/7 at 888-751-9000, who can review your account and this service with you in more detail They may also be able to give you a better idea of the reason for the decline in this instance. 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 clears it up a bit for you, Erica.
Thanks for writing in and we hope to chat with you about this soon!
Kristen P, Mount Laurel
November 5, 2015 02:38:49 PM
3 people recommended this