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July 7, 2015 05:04:49 PM
In reply to Richard, Simsbury
We are glad to see you here at TD Helps, Richard. We appreciate you looking to TD Helps for your inquiry.
Since the age you mention is at age of 14 and is considered a minor, you may wish to open a joint account. Joint Accounts can be opened in person at any TD Bank location. Please keep in mind that all account holders must be present for the account opening process. Because you're also interested in opening a checking account and you mentioned the age of 14 would be the Customer that is listed on the account, we do recommend that you contact your preferred Store prior to your visit. Please look here: http://bit.ly/TDStores for a Store listing with contact information in your area.
We encourage you to review our Checking Accounts here: http://bit.ly/1oXjGgF, or use our Checking Account Selector at http://bit.ly/1vW1xnU for some assistance finding an account that is the best fit. For more information on Savings account you may click: http://bit.ly/1o4wfc4. For a personalized recommendation, you may look here for our Checking Account Selector: http://bit.ly/1vW1xnUand here for our Savings Account Selector: http://bit.ly/1sxY9Rdj.
When you're ready to visit a Store, the co-authorized signer will need a Social Security number and a valid personal identification such as a Driver's license, State ID, or Passport. Acceptable forms of identification for minors include a School ID (preferably with a picture), Passport, US Birth Certificate or Social Security card.
A Visa Debit card for the account can be issued at the time the account is opened at the Store. All of our Stores have instant-issue cards and you'll be able to leave with a card in hand. If you would be the custodian, and are able to open the account for your minor, please note that a Visa Debit or ATM card can be issued for a minor at the branch manager's discretion.
The TD Go Card is another option to consider, and is also easy to fund. Money may be loaded onto the card by the Account Owner using any Visa or MasterCard, 24 hours a day 7 days a week via the TD Go Card website http://bit.ly/1wibSus. A $1 load fee applies; for a full list of fees, please see the Terms & Conditions http://bit.ly/1eSK0Du or Account Guide http://bit.ly/1zrVD2w. Account Owners and Cardholders may also set up a free direct deposit from your employer(s). The Account Owner may also invite family and friends to load funds to the card. For detailed instructions, visit us online or call 855-219-8050.
The funds will generally be available the same business day when using the Visa or MasterCard method. Funds loaded to the card using direct deposit will generally be available on the business day we receive the transfer. Please keep in mind an ATM only card cannot be used to fund a TD Go Card.
If you are interested in getting a card for a minor or would like to send one as a gift, you can do so by visiting this link: http://bit.ly/1jWLKzt to take you to the "Enrollment" page. Please select the "Enrollment Type" and select "Continue". You will then be asked to create your profile and a series of questions will be asked. Once you've created a profile, you will then be able to add your teen by selecting the "Adding a Teen" button. You will need to provide the teen's information and fund the card.
Typically, the custodian is required to be the primary signer on an account with a minor, and would be the only one allowed to authorize account maintenance. Once the minor turns of age 18, they would no longer be required to have a custodian listed on the account.
We hope this helps and please let us know if you have any other banking questions. Enjoy your night!
Justin B, Mount Laurel
July 7, 2015 05:05:48 PM
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