TD Bank is a most famous convenient bank of America

TD Bank is a most famous convenient bank of America

TD Bank is a most famous convenient bank of America. It has various products, such as : checking accounts, savings accounts, CDs, Credit card,

Home Equity Loans and lines, Mortgage,Personal loans, IRAs, Debit cards, Prepaid cards, Special offers etc.

Services of TD Bank:

Online Banking

Student Banking

Cross Boarder

Travel Tips

Foreign Exchange services

Overdraft services

New to TD Checking

Unexpectedly Human

You can open a TD checking account online in  minutes.

There are two types of TD checking accounts:

1) TD beyond checking account

2) TD convenience Checking account

1) TD beyond checking account:

Benefits of TD Beyond checking account:

a) Three ways to waive the monthly maintenance fee

b) Two overdrafts per year

c) Rush Bill payments

d) No ATM fees with a USD.2500 minimum daily balance.

e) Earn interest-get more from your everyday balance.

f) 24/7 access to your accounts

g) 24/7 fraud monitoring

h) online statement free

i) Rate discounts on personal loans or home equity loans.

2) TD convenience Checking account

Best for everyday banking—low minimum daily balance requirement, great discounts.

TD Convenience CheckingSM Account Guide

An account perfect for everyday banking with a low minimum daily balance requirement, plus

additional benefits for young adults. We’ve created this easy to follow outline of services, fees and

policies to help you understand how this account works. All of our accounts also include convenient and hassle-free services such as online and mobile banking with Bill Pay, free Visa®

 debit card and Live

Customer Service 24/7.

Account opening and usage

Minimum deposit needed to open

account

$0.00

Monthly maintenance fee $15.00

No monthly maintenance fee when you:

Waived if one of the following applies:

1. Maintain a $100.00 minimum daily balance

2. Waived if the Primary account holder is age 17 through 23 years

of age (upon the primary account holders 24th birthday the

account will be subject to the monthly maintenance fee unless

the minimum daily balance is maintained)

Pays interest No

ATM fees

$0.00

For using TD ATMs in the U.S. and Canada

$3.00

For each withdrawal, transfer, and balance inquiry conducted at

a non-TD ATM. Additionally, the institution that owns the terminal

(or network) may assess a fee (surcharge) at the time of your

transaction, including balance inquiries.

Overdraft

information

and fees

Overdraft-paid fee $35.00

For each item we pay

Overdraft-return fee

(non-sufficient funds)

$35.00

For each item we do not pay

Maximum number of overdraft fees per

Business Day

5

Per account

Overdraft protection transfer fee

$3.00

or

Waived when primary account holder is age 17 through 23 years

old (upon the primary account holders 24th birthday the waiver will

be removed and the account will be subject to the $3 Overdraft

protection transfer fee)

Overdraft fee threshold

If your available account balance is overdrawn by $5 or less, you

will not be charged overdraft-paid, overdraft-return or overdraft

protection transfer fees.

Overdraft options

for Customers

with debit cards

TD Debit Card AdvanceSM

We offer an overdraft service called TD Debit Card Advance with our personal checking accounts.

To enroll in TD Debit Card Advance, visit your nearest TD Bank, call us at 1-888-751-9000,

connect to tdbank.com, or from your mobile device. For more information on TD Debit Card

Advance, please see this important information. We also offer an overdraft protection service,

where you link to a savings account, which may be less expensive.

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 TD Convenience CheckingSM Account Guide

Overdraft options

for Customers

with debit cards

(continued)

Option A (default) – You do not enroll in

TD Debit Card AdvanceSM

This means your account will receive our Standard Overdraft

Service which is included with your account. We may pay items

such as recurring debit card transactions, ACH, and checks into

overdraft at our discretion and decline one-time debit card or

ATM transactions when funds are not available.

Option B – You enroll in TD Debit Card

AdvanceSM

In addition to our Standard Overdraft Service, when you enroll

in this option, we may authorize and pay one-time debit card or

ATM transactions when funds are not available in your account,

but it may result in a fee.

Additional account

support

Checks

Money orders $5.00

Official checks (cashier’s check) $8.00

Account Services

Check & ACH Stop Payment fee (per item) $30.00

Monthly paper statement fee $1.00

Printed check images with monthly

paper statement

(subject to limitations under applicable state laws)

$2.00

TD FastFunds

3% of total TD FastFunds check amounts (min fee of $5)

TD FastFunds is a service which enables expedited funds availability in exchange for a fee. Deposits eligible for and subject to TD

FastFunds will be credited to your account first before any other

items, such as deposits and withdrawals made the same day.

Additionally, checks deposited or cashed using the TD FastFunds

service will not be charged a Return Deposit Item (RDI) fee in the

event that a check is returned.

Copies

Statements with check copies and/or

deposit slips only, per statement $5.00

Deposit reconstruction, per transaction $5.00

Statements with check copies and

deposit reconstructions, per statement

$25.00

Other

Cashed or deposited item returned (per item)

$15.00

For each item you deposit or cash that is returned unpaid.

Example: You deposit a check from someone who doesn’t have

enough money in their account to cover the check. The amount

of the check will be subtracted from your balance and you will be

charged the cashed or deposited item return fee.

Levy/legal order $125.00

ATM/debit card research (per hour) $25.00

Funds transfer

Send Money with Zelle®

–

to/from other people1

Free Delivery to others within minutes

Free Request funds from others

Free 3 Day delivery to others

Bill Pay Free Scheduled or Next Day Bill Payment

$2.00 Rush Bill Payment2

Online banking transfers

Free Internal transfers (to/from other TD Bank accounts)

Free External transfers from other institutions with 3 day delivery

Free External transfers to other institutions with 3 day delivery

Free External transfers to/from other institutions with next day

delivery

Wires

$15.00 Incoming wire (domestic and international)

$30.00 Outgoing wire (domestic)

$50.00 Outgoing wire (international), plus exchange rate, taxes

and correspondent fee(s)

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International items

Foreign bank drafts, purchased $25.00

Foreign currency bank notes $7.50 Orders of $250 and above

$17.50 Orders less than $250

International collections items, plus

correspondent fee(s)

$17.50

International Transaction Fee

(ATM/debit card)

3% of the U.S. dollar amount of the transaction

This fee applies if you use your card to purchase goods or services

in a foreign currency or in U.S. dollars with an international

merchant (an “International Transaction”). International

Transactions include internet transactions made in the U.S. but

with a merchant who processes the transaction in a foreign

country. This fee also applies if you use your card to obtain foreign

currency from a non – TD ATM .

Processing policies

Posting order

(The order in which withdrawals and deposits are

processed)

Transactions are processed at the end of each Business Day in the

following order:

1. Deposits, withdrawals (including pending items) and some fees

 a. These fees are: overdraft, wire transfer, deposit returned item,

 b. Checks drawn upon your account and not cashed at a

2. Then, interest credits and all other fees are processed.

Funds Availability Policy

(When funds deposited to your account are

available)

• Wire transfers, electronic deposits and transfers

– Immediately

• Cash deposits made at any TD Bank Store or ATM

– Immediately

• Non-cash deposits made at any TD Bank Store

– The first $100 immediately

– Remainder the next Business Day

• Check deposits made at TD ATMs

– The first $100 immediately for accounts opened longer than 90

days

– Remainder the next Business Day

• Deposits made through TD Bank Mobile Deposit

– Next Business Day after the date of your deposit

• If we further delay the ability to withdraw funds

– We will notify you and funds will generally be available no later

This represents our general policy. For specific details, please see

the Funds Availability Policy in the Personal Deposit Account

Agreement.

Business Day A “Business Day” is a non-federal holiday weekday. The end of a

Business Day varies by Store, but it is no earlier than 8 p.m. EST.

Dispute resolution

If you have questions or would like more information

Please visit any of our Stores or call us at 1-888-751-9000. We will be happy to assist you.

In addition, the Personal Deposit Account Agreement governs the terms and conditions of

personal deposit account(s) with us. Please refer to the Agreement for complete checking

account details.

 TD Convenience CheckingSM Account Guide

1

 Send 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, an active

unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a

TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes between enrolled users. If a recipient is not yet enrolled with Zelle®, it may take between 1 and 3 business days to receive the

money once the enrollment is complete. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

2

 Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments.

$100 daily balance

Minimum to waive $15 monthly maintenance fee

Free

Mobile Banking with TD Bank Mobile Deposit

Student perks

No monthly maintenance fee if you're ages 17—232