*Important Details about TD Debit Card AdvanceSM
By enrolling in TD Debit Card AdvanceSM, you are
permitting us to authorize and pay ATM and one-time debit card
transactions when you do not have enough money available in your account
to cover the transaction. A $35 fee applies to each transaction that
overdraws your available account balance by more than $50, whether that
transaction is made by debit card, check, in-person withdrawal, or other
electronic means (up to a maximum of 3 fees per day per account). You
are obligated to pay overdrafts immediately. Whether an overdraft will
be paid is our discretion, and we reserve the right not to pay. For
example, we typically do not pay overdrafts if your account is not in
good standing, you are not making regular deposits, or you repeatedly
overdraft. TD Debit Card AdvanceSM is different from
other forms of overdraft coverage in that it does not transfer funds
from an approved line of credit, savings account, or home equity line of
credit. The order in which transactions are processed may affect the
total amount of overdraft fees incurred. For more information see the Personal Deposit Account Agreement.
1Overdraft Services do not apply
to TD Essential Banking Accounts. We may decline or return transactions
that would result in an overdraft. Transactions that you make may cause
your Account to overdraw but we will not assess your TD Essential
Banking Account an overdraft fee or return item fee. For example,
preauthorized transactions and other transactions may post to your
Account even when the available balance in your Account is not
sufficient to pay the transaction.
2When items are presented for
payment that result in your available Account balance being overdrawn by
more than $50, Overdraft Grace provides you with an opportunity to
receive refunds for overdraft fees if your available Account balance is
at least $0, inclusive of any pending or posted items, at the end of the
next business day.
3Our Standard Overdraft Service
may allow ACH payments, recurring debit transactions and personal checks
to go through for a fee. A $35 fee applies to each transaction that
overdraws your available account balance by more than $50, (up to a
maximum of 3 fees per day per account). Whether an overdraft will be
paid is our discretion, and we reserve the right not to pay. For
example, we typically do not pay overdrafts if your account is not in
good standing, you are not making regular deposits, or you repeatedly
overdraft. You are obligated to pay overdrafts immediately.
