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I had a saving account when I first opened my checking account, but that has since disappeared. Why did this happen and how can I get it back?
January 20, 2018 10:50:24 AM
In reply to Melissa, Londonderry
Welcome to TD Helps, Melissa.
It's great to hear from you today, and we apologize for any confusion you may be experiencing with your account. We'll be more than happy to help.
Based on the information you have provided, it sounds as though your account may have fallen into an 'inactive' status. Currently, here at TD Bank, an account is considered inactive after an account has had no activity for a specified period of time. Activity is considered transactions such as deposits or withdrawals, and the time that it may take for an account to reflect as 'inactive' can vary depending on the account type.
A Checking or Money Market account is changed to an inactive status after six months of no activity, whereas a Savings account is changed to an inactive status after nine months of no Customer initiated activity.
It's also important to note that once an account becomes 'inactive', it may next fall into a 'dormant' status. This time frame can vary depending on the State where you originally opened your account, and once an account has become 'dormant', it's important to note that the account may then be escheated to the State. So that we may review your account with you to determine what may have occurred, we'd like to recommend that you connect with us directly.
For your convenience, our Banking Specialists are here to help 24 hours a day, 7 days a week, and can be reached by simply dialing 1-888-751-9000. You would also have the option of visiting a TD Store location, during lobby hours, to speak with a Customer Service Representative. 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, and would like to recommend that you then 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'd also like to mention that if your Savings account held a negative balance for more than 60 consecutive days, the account may have been charged off. If you believe that this may have occurred, you're welcome to connect with our Collections and Recovery department. Recovery Specialists can be reached by dialing 1-800-354-9769, and for your convenience, are available Monday through Thursday, 8am to 7pm, as well as Friday, 8am to 6pm.
We sincerely hope this helps to clear up any confusion, Melissa.
Please let us know if we can answer any additional questions, and we hope you have a great weekend.
Brittany M, Mount Laurel
January 20, 2018 10:51:02 AM