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Tom, Methuen, Mass.
September 8, 2015 04:52:36 PM
In reply to Tom, Methuen, Mass.
Hi, Tom! We appreciate your question today and are glad to help out.
We are happy to let you know that you can use your debit card at locations that accept VISA across the globe! While you are away, you can make ATM withdrawals from any machine that displays the VISA or NYCE logo.
We encourage you to check out our current fee schedule, http://bit.ly/1cTejgt, as it outlines any applicable fees that may come into play when you use your debit card out of the country.
We do have some deposit account products which will either waive non-TD ATM fees, or may also receive unlimited ATM surcharge refunds. If you have a TD Premier Checking account as mentioned, you'll be glad to know that this account will receive a refund of non-TD ATM fees; we'd recommend reviewing the requirements for this rebate at http://bit.ly/1m9qQOk. Please note that we suggest keeping your ATM receipts from your out-of-country withdrawals. More information is available here: http://bit.ly/1kb17UQ (page 45). If you would like to review any of this information, you're welcome to contact one of our Banking Specialists 24/7 at 888-751-9000.
To make sure you do not experience any acceptance issues while away, we recommend placing a travel notification on your account before you leave for your trip. You can do so anytime by calling our 24/7 Customer Service line at the number mentioned above.
If you are enrolled in Online Banking, you can also submit your travel notification via secure message. To send a secured message you must first login to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center.” In your message, please include the dates and destination(s) you will be traveling. If you are not enrolled for Online Banking, you can do so for free here: http://bit.ly/1lU2qfY. You will need your Social Security number, TD Bank ATM/Visa Debit Card, your account number and e-mail address. Once you have successfully enrolled, you will have immediate access to your account(s).
When you place travel notifications, it makes us aware of foreign transactions on your account and helps us monitor your account's security. While traveling, we also recommend carrying more than one method of payment, just in case you encounter any acceptance issues. For more travel tips while overseas, please visit http://bit.ly/1gDrDYu. You may also want to review our international travel tips frequently asked questions by clicking here: http://bit.ly/1ltwDDc.
And should you need to reach us, you can contact us by Secure Message as listed above, or to contact us by phone from outside of the United States, please dial (856)-751-9000, or collect with operator assistance from a land line phone by asking the operator to dial 1-215-569-0518.
We hope this is the info you were looking for, Tom! Thanks again for visiting and take care.
Justin B, Mount Laurel
September 8, 2015 04:54:03 PM
In reply to Justin, Mount Laurel
I am currently in Rome and I am a Premier Checking account holder. Are you saying that I can withdraw from any ATM in Rome without any additional charges? Will it just equate to the exchange rate?
September 14, 2015 09:59:00 AM
In reply to Ray, Philadelphia
Hey Ray, welcome! We'd be glad to help!
If you have either our TD Premier Checking account or our TD Relationship Checking account, we will automatically waive any non-TD ATM fees normally charged if you use an ATM that is not owned by TD Bank. Also, as long as you maintain a minimum daily balance in your account of $2,500 or more, TD will reimburse your account at the end of the current statement cycle for any ATM fees incurred by the Financial Institution that owns the ATM you are using. For more details on TD Premier Checking account, please visit: http://bit.ly/1m9qQOk.
We'd also like to let you know that the exchange rate you would receive at an ATM is not set by the bank. Foreign exchange rates are published by the government and fluctuate daily and Customers will pay the VISA exchange rate at the time of an ATM withdrawal.
If you have any further questions, please call us 24/7 from Rome by dialing 856-751-9000 or215-569-0518 via landline with an Operator's assistance.
We hope this was helpful, Ray. Please let us know if you have any other questions.
Yen D, Mount Laurel
September 14, 2015 10:04:13 AM