TD Debit Card Advance^SM

TD Debit Card Advance is an optional overdraft service we offer with our personal checking accounts that may help you avoid debit card declines. Enrollment is not automatic - you must sign up for it.

	TD Debit Card Advance
How it Works	Once enrolled, continue to use your debit card as usual. We may authorize ATM transactions or one-time debit card purchases even if you don't have enough money available in your account. Overdrafts will be paid at our discretion. Please read this Important Information about TD Debit Card Advance. If you don't sign up for this service, your one-time debit card purchases and ATM transactions will be declined at the time of swipe when you don't have enough funds to cover the transaction and no fees will be assessed.
Cost to Enroll	No fee to enroll - Fees are only charged when you use the service.
Cost of Use	If you overdraw your account: $35 overdraft fee per item paid or returned¹ 5 max overdraft fees per day