TD Bank Help Center – Common Questions Answered

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Choose a topic Login help Accounts, rates & fees Managing my accounts Transaction processing Transaction disputes Account statements Using my cards Card replacement Send Money with Zelle® Loans, Rates and Payments Mobile Check Deposits TD Bank Stores and ATMs

Popular questions

• How do I enroll in Online or Mobile Banking?

• How do I change my Online and Mobile Banking password?

• How can I change my user name?

• What is the TD Bank routing number?

• How do I dispute a debit or credit card transaction that I don't recognize, is incorrect or fraudulent?

• How do I open an account?

• What are your fees for your personal checking, savings or money market accounts?

• How do I report and replace a damaged, lost or stolen TD Bank Visa® Debit or ATM Card?

• How can I use Send Money with Zelle® to pay someone from my TD Bank account?

Login Help

Frequently asked questions

1. How do I enroll in Online or Mobile Banking?

2. How can I change my user name?

3. How do I change my Online and Mobile Banking password?

4. What is a single-use security code and how does it work?

5. How do I set up single-use security codes?

6. Why can't I log in to Online or Mobile Banking?

Online Banking interactive tutorials

Step-by-step tutorials to help you use Online Banking.

• How to enroll in Online Banking

• How to log in to Online Banking

• Forgot your user name for Online Banking?

• Forgot your password for Online Banking?

TD Bank app interactive tutorials

Step-by-step tutorials to help you use the TD Bank app.

• How to enroll in Online Banking with the TD Bank app

• How to log in to the TD Bank app

• Forgot your user name for the TD Bank app?

• Forgot your password for the TD Bank app?

Explore more helpful resources

• Online Banking

  Manage your TD Bank account, pay bills, send money, set up alerts and more with secure online services.

• Mobile Banking With the TD Bank App

  Securely bank and manage your accounts anytime, anywhere from your mobile phone or tablet.

• Security Center

  Learn about our commitment to online and mobile security and what you can do to protect against fraud and identity theft.

Accounts, Rates and Fees

Frequently asked questions

1. How do I open an account?

2. Can I open a new account from the TD Bank app?

3. What is the best way to refer a friend to open a TD Bank personal checking account?

4. What are your rates?

5. What are your fees for your personal checking, savings or money market accounts?

6. How can I find out the terms of my personal deposit account(s)?

7. Will I be charged a fee if I use my TD Bank Visa® Debit Card at a non-TD ATM in the U.S. or abroad?

Interactive tutorial

A step-by-step tutorial to help you open an account online.

How to open a TD Bank Checking Account online

Explore more helpful resources

• TD Joint Bank Accounts

  Opening a joint checking or savings account with someone close to you can help you spend, save and manage money more efficiently.

• Share the Green

  It’s a win-win when you refer family and friends to open a TD Bank personal checking account.

• Account Guides

  Get details on TD Bank Checking Accounts, Savings Accounts, and Personal Loans and Lines of Credit.

• Account Selector Tool

  Get help choosing an account that fits your needs and has the perks you want.

Managing My Accounts

Frequently asked questions

1. What is the TD Bank routing number?

2. How do I find my account number?

3. How do I change my mailing address, phone number or e-mail address?

4. How do I order checks?

5. How do I get a copy of a check, deposit or withdrawal slip?

6. How do I set up direct deposit of my paycheck?

Interactive tutorial

A step-by-step tutorial to help you use the TD Bank app.

How to enroll in TD for Me alerts to get updates about TD Bank app features

Explore more helpful resources

• Direct Deposit

  It's easy to have your pay, pension or Social Security check deposited directly into your bank account.

• TD Joint Bank Accounts

  Opening a joint checking or savings account with someone close to you can help you spend, save and manage money more efficiently.

• Get to Know Your New Checking Account

  Find everything you need to know about your new checking account in one place.

Account Activity, Transactions and Balances

Frequently asked questions

1. How do you process transactions?

2. When will a TD Bank Visa® Debit Card transaction show up on my account balance?

3. How do you determine my available balance of my checking account?

4. What are pending transactions?

5. What is the difference between a Pending Transaction and a Posted Transaction?

6. What is the difference between TD Bank Visa® Debit Card purchases and credit card purchases?

7. When will my direct deposit post?

8. When are mobile deposit funds available?

9. How do I initiate a stop payment?

Explore more helpful resources

• When Will My Deposits Be Available?

  Get more details about when the money you deposit gets added to your account.

• Direct Deposit

  It's easy to have your pay, pension or Social Security check deposited directly into your bank account.

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Understanding your available balance

Your available balance is the amount of money in your account you can use without incurring an overdraft charge.

The fastest ways to find out your available balance:

Log in to Online Banking

Log in to the TD Bank app.

Call 1-888-751-9000 to use our automated telephone service.

Transaction Disputes

Frequently asked questions

1. How do I dispute a TD Bank Visa® Debit or Credit Card transaction that I don't recognize, is incorrect or fraudulent?

2. What if there is a dispute over a purchase made with the TD Bank Visa® Gift Card?

3. How do I dispute information on my credit report that was reported by TD Bank to the credit bureaus?

4. How long does it take for my transaction dispute to be resolved?

5. How does the Lock Card feature work for TD Credit Cards?

Interactive tutorials

Step-by-step tutorials to help you use online and mobile banking.

• Online Banking

  How to lock and unlock your TD Bank Visa® Debit or ATM Card in Online Banking

• TD Bank app

  How to lock and unlock your TD Bank Visa® Debit or ATM Card in the TD Bank app

How to file a credit report dispute

Learn what to do if you think the information TD Bank has furnished to consumer reporting agencies for your account(s) is not accurate.

How to file a credit report dispute Find out more Find out more

Account Statements and Notices

Frequently asked questions

1. Why should I switch to online-only statements and notices and stop paper statements and notices?

2. Where can I view and manage my online statements?

3. How do I know when my online statement or notice is ready to view?

4. Do I need to be enrolled in Online Banking to get online statements and notices?

5. How do I sign up for online-only statements?

6. How do I sign up for online-only notices?

Interactive tutorials

Step-by-step tutorials to help you use online and mobile banking.

• Online Banking

  Find statements and go paperless in Online Banking

• TD Bank app

  Find statements and go paperless in the TD Bank app

• TD Bank Credit Card statements

  Turn off paper credit card statements

Ready to go paperless?

With Online Banking or the TD Bank app, you're just a few clicks away from the convenience of online-only account statements and notices.

Ready to go paperless Log in to Online Banking Log in to Online Banking

Explore more helpful resources

• Online vs. Paper

  Learn more about how online statements compare to paper statements.

• Mobile Banking With the TD Bank App

  Securely bank and manage your accounts anytime, anywhere from your mobile phone or tablet.

Using My Cards

Frequently asked questions

1. What types of credit cards does TD Bank offer?

2. How do I receive a TD Bank Visa® Debit or ATM Card?

3. When will I receive a replacement card for my expiring debit or ATM card?

4. Do I have to activate my TD Bank Visa® Debit Card before I use it?

5. How much cash can I withdraw using my TD Bank Visa® Debit or ATM Card?

6. How can I check the available balance on my TD Bank Visa® Gift Card?

7. Why was my credit card transaction declined?

8. How do I cancel my TD Bank Visa® Debit Card?

9. How do I register my TD Bank Visa® Gift Card?

10. How do I set up my TD Bank Visa® Debit and Credit Cards in Apple Pay?

11. How do I set up my TD Bank Visa® Credit and Debit Cards in Google Pay?

Credit card video tutorials

Step-by-step tutorials to help you use your credit cards.

• Manage your TD Bank Credit Card

• Turn off paper credit card statements

• Sign up for credit card alerts

• Redeem your credit card rewards

Explore more helpful resources

• Digital Wallet

  Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases.

• Contactless Payments

  Learn more about the convenience and security of contactless payments.

• Get Started With Your TD Cards

  Everything you need to know to help you manage your TD Bank Visa® Credit and Debit Cards.

Damaged, Lost or Stolen Cards

Frequently asked questions

1. How do I report and replace a damaged, lost or stolen TD Bank Visa® Debit or ATM Card?

2. What if I temporarily misplace my TD Bank Visa® Debit or ATM Card?

3. How long does it take to replace my lost or damaged TD Bank Debit card?

4. How do I quickly replace my damaged, lost or stolen TD Bank Visa Debit card?

5. What do I do if my TD Bank Credit Card is lost or stolen?

6. What should I do if I think my TD Bank Credit Card is being used fraudulently?

7. How does the Lock Card feature work for TD Bank Credit Cards?

8. What should I do if my TD Bank Visa® Gift Card is lost or stolen?

Interactive tutorials

Step-by-step tutorials to help you manage your cards in online and mobile banking.

• Online Banking

  How to lock and unlock your TD Bank Visa® Debit or ATM Card in Online Banking

• TD Bank app

  How to lock and unlock your TD Bank Visa® Debit or ATM Card in the TD Bank app

Explore more helpful resources

• Security Center

  Learn about our commitment to online and mobile security and what you can do to protect against fraud and identity theft.

• Protecting Against Identity Theft

  This article offers guidelines to help you manage your identity and protect against identity theft.

Send Money with Zelle®

Frequently asked questions

1. How can I use Send Money with Zelle® to pay someone from my TD Bank account?

2. How do I sign up for Send Money with Zelle®to send money to or receive payments from another person?

3. How do I accept an incoming payment with Send Money with Zelle®?

4. What are the transfer limits for Send Money with Zelle®?

5. Why can't I enroll for Send Money with Zelle®?

6. What kinds of payments or transfers are available in TD Bank Online Banking?

Online Banking interactive tutorials

Step-by-step tutorials to help you use Online Banking.

• How to enroll for Zelle® in Online Banking

• How to Send Money with Zelle® in Online Banking

TD Bank app interactive tutorials

Step-by-step tutorials to help you use the TD Bank app.

• How to enroll for Zelle® with the TD Bank app

• How to send money with Zelle® with the TD Bank app

Other helpful Send Money with Zelle® resources1

Play video

It's easy to enroll for and use Send Money with Zelle® with Online Banking and the TD Bank app.

Explore all the ways you can securely manage your money—including Send Money with Zelle®—with Online Banking and mobile banking with the TD Bank app.

Important Disclosures

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. 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.

External transfer services are available for most personal checking, money market and savings accounts. To use these services you must have an Online Banking profile with a U.S. address, a unique U.S. 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. Internal and external transfers are free.

For more information, read the Terms and Conditions.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Transaction limitations apply.

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

Send Money with Zelle® is only available in English in secure Online Banking.

Loans, Rates and Payments

Frequently asked questions

1. What types of loans do you offer?

2. What are your rates?

3. How can I apply for a personal loan?

4. How do I apply for a home equity loan or line of credit?

5. Which kind of Small Business loan is best for me: line of credit, term or commercial real estate loan?

6. How can I make a payment to my loan?

7. Are there any fees associated with personal loans or lines of credit?

8. What are the fees for a Small Business Administration (SBA) loan?

9. How can I refinance my loan?

Interactive tutorial

A step-by-step tutorial to help you make your TD loan payment online.

How to pay a TD loan online

Make a TD loan payment online

It's easy and secure to pay from your TD Bank Checking or Savings Account, or from another financial institution.

Make a TD loan payment online Pay now Pay now

Explore more helpful resources

• Manage Your Loans

  Manage your home equity, mortgage or personal loan—from application to payment.

• Understanding Your Credit Score and Report

  Learn about your credit score, its role in the lending process, and what steps you can take to improve it.

• Explore Your Lending Options

  Our tool can help you find the loan that best fits your needs—just answer a few simple questions.

Mobile Check Deposits

Frequently asked questions

1. What is TD Bank Mobile Deposit?

2. How do I sign up for TD Bank Mobile Deposit?

3. How do I make a mobile deposit?

4. Are there types of checks that I may not deposit through TD Bank Mobile Deposit?

5. What should I do with the check after I've completed my mobile deposit?

6. When are mobile deposit funds available?

Interactive tutorial

A step-by-step tutorial to help you use the TD Bank app to deposit checks.

How to enroll in TD Bank Mobile Deposit and make a deposit

Deposit checks 24/7 from your mobile device Play video

It's easy and secure to use TD Bank Mobile Deposit1—just log in to the TD Bank app using a smartphone or tablet with a working camera

Learn more about mobile banking with the TD Bank app

Important Disclosures

1TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum

TD Bank Stores and ATMs

Frequently asked questions

1. Where's the nearest TD Bank ATM or store?

2. Can you tell me what hours my local TD Bank store is open?

3. Does TD Bank offer notary public services?

4. How do I quickly replace my damaged, lost or stolen TD Bank Visa® Debit Card?

5. What is a QR code and what is it used for?

Find a TD Bank near you

See details, directions and hours for nearby TD Bank locations—you can even book an appointment.

Find a TD Bank near you Find a TD bank Find a TD  Bank

Explore more helpful resources

• TD Bank Holiday Hours

  See this year's federal holiday closure schedule for TD Bank locations.

• Curbside Pickup

  Order a replacement TD Bank Visa® Debit Card online and pick it up same day or next day.

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Transcript

AVAILABLE BALANCE If you’re like most TD Bank customers, you use a combination of cash, checks, online banking, and your debit card to pay bills and make everyday purchases. Your available balance tells you how much money is currently available for you to spend. Different types of transactions affect your available balance in different ways. It’s important to remember that your available balance may not be the same as the balance on your statement, due to pending transactions. Let’s examine how Available Balance works by looking at a typical customer’s day so you can better understand how to manage your own checking account and avoid overdrafts. Sam begins the day by using online banking to check his account. He sees that a $500 direct deposit has been made, and his available balance shows as $2000. Sam’s available balance doesn’t reflect any checks he’s written or any scheduled bill payments that have not yet cleared. Sam remembers he wrote a personal check for $100 to his babysitter and has a $50 check to his niece. Sam should consider this money as unavailable for any future purchases and keep enough money in his account for those payments to process to avoid overdrafts. 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. He also purchases the new bestseller and pays with his debit card, which reduces his available balance by $20 immediately, and will appear in his Pending Transactions. Since this money has already been spent, it will no longer be considered available. You can check your pending transactions online, on your mobile phone, at a TD Bank store, or by calling TD Customer Service. On the way home from work, Sam stops by TD Bank to make a deposit: a $200 check, $50 cash, and a $300 check. Sam receives immediate availability for cash deposits, and a $100 courtesy for the total value of all checks he deposited. New accounts may have to wait longer for their funds to be available. You can find out more by reviewing TD Bank’s Personal Deposit Account Agreement. Now, let’s look at how Sam’s banking transactions were processed overnight to help you understand what you may see in your own account. All transactions are processed at the end of the business day and are sorted in the following manner. First, we process transactions based on the date and time that the transaction occurred. 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. Lastly, any interest earned or other fees generated by the end of the day, such as non-TD ATM fees, Monthly Maintenance fees, or Paper Statement fees will then be applied. When the day is done, Sam’s end-of-day available balance is $1975. Remember, TD Bank’s online and mobile banking services, TD Stores, ATMs and TD Customer Service all offer you up-to-date information about your available balance, and more, to help you manage your accounts anytime, anywhere. TD Bank. America’s Most Convenient Bank.

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Transcript

Send Money With Zelle

 

Using Send Money with Zelle, enrolled customers with personal accounts and a TD Bank debit card can send money within minutes to almost anyone they know who has:

 

A U.S. mobile phone number or an e-mail address. And you don’t need their bank account number. Payments usually take minutes between friends and family enrolled in Zelle. Otherwise, figure one to three business days once your recipient enrolls.

 

You can also request money from a friend or family member. They'll get a message with easy instructions for paying you.

 

Splitting a lunch bill? Your money request can go to multiple contacts for easy collection.

 

Send Money with Zelle. It's quick and convenient, especially from the TD Bank mobile app.

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Transcript

The TD Bank Mobile App can be used to remotely deposit checks

To deposit a check:

• Lay it on a flat, dark surface.
• Open the TD Mobile App and select Mobile Deposit.
• Follow the on-screen instructions to take a picture and enter the amount.

Generally funds will be available the next business day

More information about TD Mobile Deposit can be found on the TD Bank website.

Include disclosure: Mobile check deposits are subject to TD's Funds Availability Policy and Mobile Deposit Addendum. A "business day" is every day, except Saturdays, Sundays, and federal holidays. Message and data rates may apply.