Our Mobile App and Online Banking Services make it easy to keep track of your accounts. Pick up a Checkbook Register and write down transactions as you go. And you can always visit one of our Convenient Locations or call TD Customer Service by phone 24 hours a day. If you’d like to put a plan in place to further manage your account in the event of overdrafts, we offer the following options.

Go paperless with online-only statements

• First, we process transactions based on the date and time that the transaction occurred.
• Explore our interactive tutorials and see how easy it is to digitally manage your accounts.
• Planning ahead for occasional overdrafts makes smart banking sense, but the best advice is to manage your account and avoid overdrafts before they happen.
• Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company.
• UNDERSTANDING YOUR OVERDRAFT OPTIONS At TD Bank, we understand that sometimes the funds available in your account are not quite enough to cover a transaction.

Download our mobile app to get on-the-go access to your accounts and bank securely 24/7. Anywhere you are, view your balance, deposit checks, send money, transfer funds, pay bills and more. 3Our Standard Overdraft Service may allow ACH payments, recurring debit transactions and personal checks to go through for a fee.

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. 1Send 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.

TD Alerts lets you customize your notifications to fit your daily banking needs—like staying on top of your everyday spending and helping to keep your accounts secure. See what alerts you can take advantage of today. Bill Pay is easy to set up and use to pay – and receive – your bills, schedule payments, view activity and set up reminders. While we make every effort to secure your personal information, there’s plenty you can do to avoid falling prey to fraud and identity theft.

NYMCU Mobile Banking

2A business day is every day, except Saturdays, Sundays and federal holidays. For additional details, see TD Bank’s Funds Availability policy. Find answers to common questions about online and mobile banking. 3A business day is every day, except Saturdays, Sundays and federal holidays. For more information, please refer to TD Bank’s Funds Availability policy.

Get Started with Online and Mobile Banking

Internal Revenue Code if you meet certain other conditions. We may issue you an IRS Form 1099-MISC or other appropriate forms reporting the value of the bonus. Apply for a TD Fit Personal LoanSecure your dream projects and unlock funds with an unsecured personal loan today. When you call, you’ll talk to one of our dedicated agents committed to providing the highest levels of customer satisfaction. This is just one of the ways we’re making everyday banking better.

Make deposits

Using our streamlined Accounts view, you can see all your accounts on one page. With TD Overdraft Relief1, we offer you even more flexibility—including no fee if you overdraw your checking account balance by $50 or less. The TD Bank Mobile App and Online banking can be used to pay bills from Checking or Money Market accounts. While running errands at lunch, Sam buys a cup of coffee using his debit card. His available balance is reduced by $5 right away, and the purchase appears in his Pending Transactions.

How do I make transfers?

Manage all your TD Bank accounts on the go, plus deposit checks, pay bills, send money and more. Download now for your Apple® and AndroidTM smartphones and tablets. It’s easy to make the switch from banking in-person or by phone to our digital options. You’ll get secure and convenient access to your accounts and services right from your computer, tablet or mobile phone with Online Banking and the TD Mobile Banking App.

A $35 fee applies to each transaction that overdraws your available account balance by more than $50, (up to a maximum of 3 fees per day per account). 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.

• Manage Your Accounts Using our streamlined Accounts view, you can see all your accounts on one page.
• Our Mobile App and Online Banking Services make it easy to keep track of your accounts.
• You’ll get secure and convenient access to your accounts and services right from your computer, tablet or mobile phone with Online Banking and the TD Mobile Banking App.

Personal TD Chequing Accounts

How it works\r\nIf you already use Online Banking, open the app and log in with your existing user name and password. CIRO regulation applies to TD Investments Inc., a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank. Your money request can go to multiple contacts for easy collection. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Pay your bills from one central location in Online Banking or the TD Mobile Banking App using Bill Pay, or set up payments through Quicken® or QuickBooks®. Get the most from your accounts with Online Banking.

Manage Your Accounts Using our streamlined Accounts view, you can see all your accounts on one page. Quickly switch td ameritrade forex between accounts, such as checking, savings, credit card, mortgage and more. Updated features Send, receive and request money by email or text using Send Money. Pay bills with convenience and simplicity to almost any person or company in the U.S.

Note that pending transactions will impact the available balance, but won’t incur any potential overdraft fees until after the items clear. If Sam had any Wire, Overdraft, or Return Item fees, they would be sorted here, based on the time they were processed by TD Bank. Checks drawn on Sam’s account will all process as if they occurred at 11 pm. When there are multiple checks, they will be processed by check number, from lowest to highest.