TD Complete Checking Account Guide

An account that is made for everyone, with multiple ways to waive the monthly maintenance fee, plus
additional age-based benefits for young adults and 60+ customers. All of our accounts also include
convenient optional services such as online and mobile banking with Bill Pay, free Visa® debit card and
always 24/7 Live Customer Service to address your banking needs.

Minimum deposit needed to open $0.00

account
Monthly maintenance fee $15.00
1. Have $500 or more in direct deposits within a statement cycle; or
2. Maintain a minimum daily balance of $500; or
No monthly maintenance fee when you: 3. Have $5,000 minimum daily combined balance of all deposit
accounts that you choose to link; or
4. When the Primary account holder is 17 through 23 years of age1,2
Account opening
and usage Pays interest No
$0.00
When using TD ATMs in the U.S. and Canada

$3.00
ATM fees For each withdrawal, transfer, and balance inquiry conducted at
a non-TD ATM. Non-TD ATM fee waived when the primary account
holder is aged 17 through 23 only. Additionally, the institution that
owns the terminal (or network) may assess a fee (surcharge) at the
time of your transaction, including balance inquiries.

Overdraft fee $35.00 per each additional item we pay

Maximum number of overdraft fees 3
per business day Per account
Overdraft If your available account balance is overdrawn by $50 or less, you
information Overdraft fee threshold will not be charged overdraft fees.
and fees If you overdraw your available account balance by more than $50,
and you make a deposit to bring your available account balance
Overdraft Grace Period back to at least $0 as of 11p.m. ET the next business day, we will
refund the overdraft fees that were assessed to your account for
those items.1

TD Debit Card AdvanceSM

Overdraft options 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,
for Customers
connect to tdbank.com, or from your mobile device. For more information on TD Debit Card
with debit cards Advance, please see this important information. We also offer an overdraft protection service,
where you link to a savings account, which can help avoid overdraft fees and unpaid items.

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This means your account will receive our Standard Overdraft

Overdraft options Option A (default) – You do not enroll Service which is included with your account. We may pay items
such as recurring debit card transactions, ACH, and checks into
in TD Debit Card AdvanceSM overdraft at our discretion and decline one-time debit card or ATM
for Customers transactions when funds are not available.
with debit cards In addition to our Standard Overdraft Service, when you enroll in
Option B – You enroll in this option, we may authorize and pay one-time debit card or ATM
(continued) transactions when funds are not available in your account, but it
TD Debit Card AdvanceSM may result in a fee.

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 $3.00

Waived when the account holder is age 60 and above.
Printed check images with monthly
paper statement $2.00
(subject to limitations under applicable state laws)

2% of total TD FastFunds check amounts (min fee of $5)

Additional account TD FastFunds is a service which enables expedited funds
support TD FastFunds 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.

Copies
Statements with check copies and /or
Free
deposit slips only, per statement
Deposit reconstruction, per transaction Free
Statements with check copies and Free
deposit reconstructions, per statement
Other
Levy/legal order $125.00
ATM/debit card research (per hour) Free

Send Money with Zelle®– Free Delivery to others within minutes

Free Request funds from others
to/from other people3 Free 3-Day delivery to others

Bill Pay Free Scheduled or Next Day Bill Payment

$2.00 Rush Bill Payment4
Free Internal transfers (to/from other TD Bank accounts)
Free External transfers from other institutions with 3-day delivery
Funds transfer Online banking transfers Free External transfers to other institutions with 3-day delivery
Free External transfers to/from other institutions with next-day
delivery

$15.00 Incoming wires (domestic and international)

$30.00 Per outgoing wire (domestic)
Wires $50.00 Per outgoing wire (international), plus exchange
rate, taxes and correspondent fee(s)

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$7.50 In Store and online orders

Foreign currency bank notes
$17.50 Orders less than $250
International collections items, plus
$17.50
correspondent fee(s)

International items International Transaction Fee 3% of the U.S. dollar amount of the transaction
(ATM/debit card) 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.

Transactions are processed at the end of each business day in

the following order:
1. Deposits that have become available to you that business day in
accordance with our Funds Availability Policy are added to your
available account balance.
2. All withdrawals and some fees are deducted from your available
account balance in chronological date and time order based on
Posting order the information that we receive for each item.
(The order in which withdrawals and deposits a. This fee is: wire transfer fees.
are processed) b. For some items, we do not receive date and time information.
We assign these items a date and time, which may vary
from when the transactions were conducted. For additional
information, please see the Processing Order for Payment of
Checks, Debit Card Transactions, and Other Items section of
the Personal Deposit Account Agreement.
3. Then, overdraft fees, interest credits and all other fees are
processed.

• Wire transfers, electronic deposits and transfers

between accounts
Processing policies – Immediately
• Cash deposits made at any TD Bank Store or ATM
– Immediately
• Check deposits made at any TD Bank Store
– The first $100 immediately
– Remainder the next business day
– Longer delays may apply as outlined in the Personal Deposit
Account Agreement
Funds Availability Policy • Check deposits made at TD ATMs
(When funds deposited to your account – The first $100 immediately for accounts opened longer than
are available) 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
than the seventh (7th) business day after the deposit date
This represents our general policy. For specific details, please
see the Funds Availability Policy in the Personal Deposit Account
Agreement.

A “business day” is a non-federal holiday weekday. The end of a

Business day business day varies by Store, but it is no earlier than 8 p.m. ET.

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.
Dispute resolution 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.
1
If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner.
2
TD Complete Checking monthly maintenance fee is waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder’s 24th birthday the account will be subject
to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met.
3
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, and an active unique e-mail address. 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. 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 in Zelle®. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein
under license.
4 Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, please reference the Personal Fee Schedule.

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