TD Canada Trust Personal, Small Business Banking & Investing

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. With TD Overdraft Relief1, we offer you even more flexibility—including no fee if you overdraw your checking account balance by $50 or less. TD Alerts lets you customize your notifications to fit your daily banking needs—like staying on top of your everyday spending and helping to keep your accounts secure. See what alerts you can take advantage of today.

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Different types of transactions affect your available balance in different ways. It’s important to remember that your available balance may not be the same as the balance on your statement, due to pending transactions. 3Our Standard Overdraft Service may allow ACH payments, recurring debit transactions and personal checks to go through for a fee.

Since this money has already been spent, it will no longer be considered available. 3A business day is every day, except Saturdays, Sundays and federal holidays. For more information, please refer to TD Bank’s Funds Availability policy. Explore our interactive tutorials and see how easy it is to digitally manage your accounts. While we make every effort to secure your personal information, there’s plenty you can do to avoid falling prey to fraud and identity theft.

Online transfers for TD and non-TD accounts

• Read through our articles, videos, and tools with helpful information for everyday banking, borrowing, saving and financial planning needs.
• Single-use security codes instead of security questions.
• Transfer funds between your TD Bank accounts or with an external account.
• For easy payments, add your card to your Digital Wallet.
• Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
• While running errands at lunch, Sam buys a cup of coffee using his debit card.

Through awareness and good online habits, you can spot scam attempts and significantly reduce your risk before it happens. Read through our articles, videos, and tools with helpful information for everyday banking, borrowing, saving and financial planning needs. You can bank online, in branch, on the phone and with the TD apps. It’s quick and convenient, especially from the TD Bank mobile app. You can also request money from a friend or family member. They’ll get a message with easy instructions for paying you.

About this app

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. Using our streamlined Accounts view, you can see all your accounts on one page. You can check your pending transactions online, on your mobile phone, at a TD Bank store, or by calling TD Customer Service. Must have a bank account in the U.S. to use Send Money with Zelle®.

Sign up for TD Alerts

With this service, if you don’t have enough available funds in your account, your debit card will be declined at the time of the swipe. All other overdrawn transactions may be considered for payment at our discretion. Your available balance can be overdrawn by up to $5 without incurring any fees. If we do pay or return an overdraft item for you, a $35 overdraft fee applies for each item, up to five fees per day. The best way to avoid overdrafts is to actively keep track of your account and know what your available balance is at all times.

Deposit checks anytime

All transactions are processed at the end of the business day and are sorted in the following manner. Sam remembers he wrote a personal check for $100 to his babysitter and has a $50 check to his niece. Sam should consider this money as unavailable for any future purchases and keep enough money in his account for those payments to process to avoid overdrafts. 1Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft.

• Pick up a Checkbook Register and write down transactions as you go.
• If Sam had any Wire, Overdraft, or Return Item fees, they would be sorted here, based on the time they were processed by TD Bank.
• UNDERSTANDING YOUR OVERDRAFT OPTIONS At TD Bank, we understand that sometimes the funds available in your account are not quite enough to cover a transaction.
• Bill Pay is easy to set up and use to pay – and receive – your bills, schedule payments, view activity and set up reminders.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. CIRO regulation applies to TD Investments Inc., a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank. Your money request can go to multiple contacts for easy collection. We’ve listened to what customers want, and filled it with even more great features. Get the most from your accounts with Online Banking. When the day is done, Sam’s end-of-day available balance is $1975.

You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information. Start learning about the Canadian banking system, the immigration process and what you could expect when you arrive. For easy payments, add your card to your Digital Wallet. Pay your bills from one central location in Online Banking or the TD Mobile Banking App using Bill Pay, or set up payments through Quicken® or QuickBooks®.

If you’d like to put a plan in place to further manage your account in the event of overdrafts, we offer the following options. A $35 overdraft fee will apply for each overdrawn ATM and one-time debit card transaction we pay. For each automatic transfer, a $10 daily transfer fee will apply. It’s important to note that all overdrafts are paid out at the discretion of TD Bank, and payment is not guaranteed.

Let’s examine how Available Balance works by looking at a typical customer’s day so you can better understand how to manage your own checking account and avoid overdrafts. After you have completed the requirements outlined above, we’ll deposit the bonus in your new account on or before 180 days after account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing. 2TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Now, let’s look at how Sam’s banking transactions were processed overnight to help you understand what you may see in your own account.

UNDERSTANDING YOUR OVERDRAFT OPTIONS At TD Bank, we understand that sometimes the funds available in your account are not quite enough to cover a transaction. We think you should be able to decide how you’d like your account to work if this happens. That’s why we give you different options to choose from. All of our customers automatically receive our Standard Overdraft Service.

To go paperless, update your Statement Settings in Online Banking or the mobile app. Want to manage your small business accounts with Online Banking? Learn more about Small Business Online Banking. New accounts may have to wait longer for their funds to be available.

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 ameritrade forex broker 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.

Planning ahead for occasional overdrafts makes smart banking sense, but the best advice is to manage your account and avoid overdrafts before they happen. Using online banking has never been easier for TD Bank customers. Get access to your accounts anytime, anywhere. Manage Your Accounts Using our streamlined Accounts view, you can see all your accounts on one page.

You are obligated to pay overdrafts immediately. Whether you need to view your statements, pay bills, track balances, set up e-mail alerts or transfer money, My TD is the quickest, easiest way to access your accounts. And if you’re new to Online Banking, no problem – view demos and learn how to maximize your online experience with TD Bank. First, we process transactions based on the date and time that the transaction occurred. Note that pending transactions will impact the available balance, but won’t incur any potential overdraft fees until after the items clear. If Sam had any Wire, Overdraft, or Return Item fees, they would be sorted here, based on the time they were processed by TD Bank.