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I have money in my account and am enrolled in the TD Debit Card Advanced but I cannot overdraft for some reason? What is the point of the TD Debit Card Advanced if I can't use it?
December 28, 2017 01:09:23 PM
In reply to Jayson, Barnegat
Good afternoon, Jayson.
As you mentioned that you are having trouble taking advantage of TD Bank's discretionary overdraft feature, TD Debit Card Advance, we apologize, and will be happy to explain this feature in further detail.
When your account is enrolled in TD Debit Card Advance, you enable TD Bank to cover your everyday debit card transactions, even when you may not have enough funds available in your account. TD Bank will authorize and pay overdrafts on ATM and everyday debit card transactions. This service is offered as a convenience, and it's important to note that as this service is considered discretionary, we will pay overdrafts at our discretion.
Additionally, as you mentioned that you're debit card is being declined; we'd like to mention that there are a couple other instances in which your card may be declined besides non-sufficient funds. These may include, but are not limited to, an error with the merchant, your card's information having been entered incorrectly, or your card may even have a temporary block placed due to possible fraudulent transactions.
While we'd like to confirm what may be causing your debit card to be declined, please understand that TD Helps is currently not considered a secure forum of contact. Because of this, we'd like to recommend that you connect with us directly so that we may review your account with you.
You're first welcome to connect with one of our Banking Specialist. For your convenience, Banking Specialists can be reached by simply dialing 1-888-751-9000, and are available to help 24 hours a day, 7 days a week. Our Customer Service Representatives are also happy to assist at any number of our Store locations, and are available during lobby hours. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a Store location, we completely understand. If you currently have access to your Online Banking, you may also send us a Secure Message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We hope this clears up any confusion, Jayson, and we look forward to hearing from you soon.
Take care, and enjoy the rest of your Thursday.
Brittany M, Mount Laurel
December 28, 2017 01:10:06 PM