Introducing TD Overdraft Relief¹

Life happens—and so do overdrafts. With TD Overdraft Relief,¹ you've got options. Our new policies make it easier to avoid overdraft fees and give you more flexibility when an overdraft happens. So you can forget the stress and spend with confidence.

New overdraft policies to help prevent fees

With TD Overdraft Relief¹, we're evolving our services to give you even more flexibility—like no fee if you overdraw by $50 or less. Here's what else is included:

	Standard Overdraft Service² is automatically included. This may allow ACH payments, recurring debit transactions and personal checks to go through for a fee ($35), even when you're short on funds
	You have the option to add Savings Overdraft Protection, which will automatically transfer cash from your linked savings account to cover an overdrawn checking balance for a small fee ($3)

	You can opt into Debit Card Advance^SM*, a service that may cover one-time charges to your debit card or ATM transactions, even if you're out of cash. (But heads up—there might be a $35 fee)
	We won't charge more than 3 overdraft fees per day per account

TD Overdraft Relief¹ is available for most TD Checking accounts.

Not sure which overdraft option is right for you?

Explore your options with our interactive tool and see which overdraft options work for your banking needs.

Help me choose

Learn more about overdraft fees—and how to avoid them

An overdraft happens when you make an authorized transaction from your bank account that exceeds your available account balance. Overdrafts result in a negative account balance plus a fee charged by your bank.

The best way to avoid overdraft fees is to be informed and to stay on top of your account activity. Our interactive guide will show you the tips and tools to help you prevent overdrafts.

Learn more about overdrafts^†

Looking for an account with no overdraft fees or services?

TD Essential Banking is a great starter account that only allows you to spend your available account balance

Account details

Don’t have a TD Checking account?

Find an account that meets your needs and your budget with the perks you want and open an account online in minutes.

Important Disclosures

If you have any questions or concerns about which service is right for you, talk with a representative at your local TD Bank.

^*Important Details about TD Debit Card Advance^SM

By enrolling in TD Debit Card Advance^SM, 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 Advance^SM 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.

²Whether 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.

^†By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

If you have any questions or concerns about which service is right for you, talk with a representative at your local TD Bank.

^*Important Details about TD Debit Card Advance^SM

^†By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

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Introducing TD Overdraft Relief1