All of our customers automatically receive our Standard Overdraft Service. 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.
Welcome to TD Personal Banking
- Anywhere you are, view your balance, deposit checks, send money, transfer funds, pay bills and more.
- Pick up a Checkbook Register and write down transactions as you go.
- Keep it for 14 days to ensure it has cleared, then destroy the check.
- It’s quick and convenient, especially from the TD Bank mobile app.
Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier. External transfer services are available for most personal checking, money market and savings accounts. To use these services you must have an Online Banking profile with a U.S. address, a unique U.S. phone number, an active unique e-mail address and a social security number. Download our mobile app to get on-the-go access to your accounts and bank securely 24/7. Anywhere you are, view your balance, deposit checks, send money, transfer funds, pay bills and more.
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. Through awareness and good online habits, you can spot scam attempts and significantly reduce your risk before it happens.
Transfer funds between your TD Bank accounts or with an external account. Single-use security codes instead of security questions. Unique security codes make banking with us more secure.
Pay your bills from one place
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®. 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.
Digital Tools
All-new TD Complete Checking’s right for all life stages. And new customers earn $200 with qualifying activities.
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, ameritrade forex broker 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.
My Accounts
Increased security by masking your account numbers. Access tools to help you get your banking done faster. 1Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address.
The best way to avoid overdrafts is to actively keep track of your account and know what your available balance is at all times. Here are some additional ways that TD Bank can help. Sign up for Balance Alerts, and at the start of the business day, you’ll receive an e-mail notifying you if you’ve reached the available balance limit that you set. Our Mobile App and Online Banking Services make it easy to keep track of your accounts.
Services with your account
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.
- Your available balance tells you how much money is currently available for you to spend.
- Different types of transactions affect your available balance in different ways.
- 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.
- 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.
Bonus will be subject to backup withholding to the extent applicable to you under the U.S. Internal Revenue Code if you meet certain other conditions. We may issue you an IRS Form 1099-MISC or other appropriate forms reporting the value of the bonus. Apply for a TD Fit Personal LoanSecure your dream projects and unlock funds with an unsecured personal loan today.
If you’re like most TD Bank customers, you use a combination of cash, checks, online banking, and your debit card to pay bills and make everyday purchases. Your available balance tells you how much money is currently available for you to spend. 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.
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.