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TD Student CheckingSM Account Guide

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TD Student CheckingSM Account Guide
Perfect for those under the age of 24 who are enrolled as a full-time student. 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 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 $0.00 Minimum daily balance to waive monthly maintenance fees None Pays interest No ATM fees $0.00
For using TD ATMs in the U.S. and Canada
For each withdrawal, transfer, and balance inquiry conducted at a non-TD ATM. 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-suficient funds)
For each item we do not pay
Maximum number of overdraft fees per Business Day 5
per account
Overdraft protection transfer fee Free Overdraft fee threshold
If your available account balance is overdrawn by $5 or less, you will not be charged overdraft-paid or overdraft-return fees.
Overdraft options for Customers with debit cards
TD Debit Card AdvanceSM We ofer 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 ofer an overdraft protection plan, where you link to a savings account, which may be less expensive. Option A (default) – You do not enroll in TD Debit Card Advance
This means your account is set up to decline any ATM or one-time debit card transactions that may overdraw your account. Since these transactions will be declined when you have insuficient available funds, you will not be charged the overdraft-paid fees for ATM or one-time debit card transactions. We may authorize and pay overdrafts for other transaction types.
Option B – You enroll in TD Debit Card Advance
This means you choose to allow TD Bank to authorize one-time debit card purchases and ATM transactions when you do not have enough money available in your account. Whether an overdraft will be paid is at our discretion, and we reserve the right not to pay. $35 each time we pay an overdraft, up to 5 overdraft fees per Business Day.

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Additional account support
Money orders $5.00 Oficial 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)
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
Cashed or deposited item returned
(per item)
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 Delivery Bill Payment2 Online banking transfers Free Internal transfers (to/from other TD Bank accounts) Free External transfers from other institutions with 3 day delivery $3.00 External transfers to other institutions with 3 day delivery $7.00 External transfers to/from other institutions with next day
Wires $15.00 Incoming wire (domestic and international) $25.00 Outgoing wire (domestic) $40.00 Outgoing wire (international), plus exchange rate, taxes
and correspondent fee(s)

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TD Student CheckingSM Account Guide
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
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 are processed in chronological order based on their date and time information. a. These fees are: overdraft, wire transfer, deposit returned item, and other returned item fees. b. Checks drawn upon your account and not cashed at a TD Bank Store are processed from lowest to highest check number, after all transactions listed above. 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 between accounts – Immediately • – Immediately Cash deposits made at any TD Bank Store or ATMNon-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 at non-TD ATMs – Fifth (5th) Business Day after the date of your deposit • 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.
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.
If you have questions or would like more information
Dispute resolution
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.
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 Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Payments.
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