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Important Information for Consumers about Your TD Bank Checking Account

What you need to know about overdrafts and overdraft fees.

Overview

(Overdraft Services do not apply to TD Essential Banking Accounts)

An overdraft occurs when your available balance is not sufficient to cover a transaction, but we pay it anyway. Your available balance is reduced by any “pending” debit card transactions (purchases and ATM withdrawals) and includes any deposited funds that have been made available pursuant to our Funds Availability Policy. We can cover your overdrafts in three different ways:

1. We have our Standard Overdraft Service this is included with your account.
2. We have an optional service you can choose to enroll in, TD Debit Card Advance.
3. We also offer optional Savings Overdraft Protection which is a service that can help avoid overdraft fees and unpaid items. Ask us about Savings Overdraft Protection to learn more.

1Business Days do not include Saturday, Sunday or Federal Holidays.

2For some items, we do not receive date and time information. We assign these items a date and time, which may vary from when the transactions were conducted. For additional information, please see the Processing Order for Payment of Checks, Debit Card Transactions, and Other Items section of your Personal Deposit Account Agreement.

Member FDIC, TD Bank, N.A.