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
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 AdvanceSM*, 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 |
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.
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.
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
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