Discretionarytdelion

TDBusinessInterestCheckingPlusAccountGuideAnidealaccountifyoumaintainhigherbalancesandwanttoearninterestonyourbusinessdepositbalances.
We'vecreatedthefollowingoutlineofservices,feesandpoliciestohelpyouunderstandhowthisaccountworks.
AllofourSmallBusinessaccountsalsoincludeconvenientandhassle-freeservicessuchasonlinebanking,freeinstantissueVisadebitcardandLiveCustomerService24/7.
AccountopeningandusageMinimumdepositneededtoopenaccount$100.
00Monthlymaintenancefee$15.
00Minimumdailybalancetoavoidmonthlymaintenancefee$2,500NumberofItemspaidand/ordepositedperstatementcyclewithnocharge200($0.
50foreachitemthereafter)CashDepositedfee$0.
25per$100Fordepositsover$5,000perstatementcyclePaysInterestYesATMfees$0.
00ForusingTDATMsintheU.
S.
andCanada$3.
00Foreachwithdrawal,transfer,andbalanceinquiryconductedatanon-TDATM.
Theinstitutionthatownstheterminal(ornetwork)mayassessafee(surcharge)atthetimeofyourtransaction,includingbalanceinquiries.
Overdraftinformationandfees1Overdraft-paidfee$35.
00ForeachitemwepayOverdraft-returnfee(non-suficientfunds)$35.
00ForeachitemwedonotpayMaximumnumberofoverdraftfeesperBusinessDay5PeraccountOverdraftprotectiontransferfee$10.
00ForeachdaywetransferavailablefundsfromanoverdraftprotectionsuchasSmallBusinessOverdraftProtectionLineofCreditorasavingsaccount.
OverdraftfeethresholdIfyouraccountbalanceatendofBusinessDayisover-drawnby$5orless,youwillnotbechargedoverdraft-paid,overdraft-returnoroverdraftprotectiontransferfees.
OverdraftoptionsforCustomerswithdebitcards1DiscretionaryOverdraftServiceWeofferDiscretionaryOverdraftwithoursmallbusinesscheckingaccountstodeterminehowweauthorizeandpayATMorone-timedebitcardtransactionswhenyoudonothaveenoughmoneyavailableinyouraccounttocoverthetransaction.
YoumaychangeyourenrollmentoptionatanytimebyvisitingyourlocalTDBankstore,orcallusat1-888-751-9000.
Formoreinformationaboutoverdraftpractices,seeyourTipstoHelpManageYourBusinessAccountdocument.
OptionA–(Thisisthedefaultoptiononyouraccount.
)YouareenrolledinDiscretionaryOverdraftThismeansyouraccountissetuptoallowTDBanktoauthorizeanATMorone-timedebitcardtransactionsevenwhenyoudonothaveenoughmoneyavailableinyouraccount.
Whetheranoverdraftwillbepaidisatourdiscretion,andwereservetherightnottopay.
Ifyouoverdrawyouravailablebalancebymorethan$5,wewillchargeyoua$35overdraftfeeeachtimewepayanoverdraft,upto5overdraftfeesperday.
OptionB–YouarenotenrolledinDiscretionaryOverdraftThismeansyouraccountissetuptodeclineanyATMorone-timedebitcardtransactionsthatmayoverdrawyouraccount.
Sincethesetransactionswillbedeclinedwhenyouhaveinsufficientavailablefunds,youwillnotbechargedtheoverdraft-paidfeesforATMorone-timedebitcardtransactions.
Wemayauthorizeandpayoverdraftsforothertransactiontypes.
1of3TDBusinessInterestCheckingPlusAccountGuideAdditionalaccountsupportChecksMoneyorders$5.
00Oficialchecks(cashier'scheck)$8.
00AccountservicesCheck&ACHStopPayment(peritem)$30.
00Printedcheckimageswithmonthlypaperstatement(subjecttolimitationsunderapplicablestatelaws)$2.
00permonthPaperstatements$0.
00permonthSwitchtoe-statementsbyvisitingTDBankOnlineBanking.
TDFastFundsEfective12/12/20193.
00%ofCheckAmount(minfeeof$5)TDFastFundsisacheckcashinganddepositingservicewhichenablesexpeditedfundsavailability.
DepositsunderTDFastFundswillbecreditedtoyouraccountfirstbeforeanyotheritems,suchasdepositsandwithdrawalsmadethesameday.
Asanadditionalbenefit,checksdepositedorcashedundertheTDFastFundsservicewillnotbechargedaReturnDepositItem(RDI)feeintheeventthatacheckisreturned.
CopiesStatementswithcheckcopiesand/ordepositslipsonly,perstatement$5.
00Depositreconstruction,pertransaction$5.
00Statementswithcheckcopiesanddepositreconstructions,perstatement$25.
00OtherCashedordepositeditemreturned(peritem)$20.
00Foreachitemyoudepositorcashthatisreturnedunpaid.
Example:Youdepositacheckfromsomeonewhodoesn'thaveenoughmoneyintheiraccounttocoverthecheck.
Theamountofthecheckwillbesubtractedfromyourbalanceandyouwillbechargedthecashedordepositeditemreturnfee.
Levy/legalorder$125.
00ATM/debitcardresearch(perhour)$25.
00BillPayNoadditionalchargeExternaltransfersfromotherinstitutionswith3daydelivery$2.
00RushDeliveryBillPaymentFundstransferandinternationalitemsForeignbankdrafts,purchased$25.
00Foreigncurrencybanknotes$7.
50Wires$15.
00Incomingwire(domesticandinternational)$25.
00Outgoingwire(domestic)Efective3/5/2020,thefeeforoutgoingwires(domestic)willbe$30.
00.
$40.
00Outgoingwire(international),plusexchangerate,taxesandcorrespondentfee(s)Efective3/5/2020,thefeeforoutgoingwires(international)willbe$50.
00.
ACHBatch-TDBank$10.
00perbatchInternationalcollectionsitems,pluscorrespondentfee(s)$17.
502of3TDBusinessInterestCheckingPlusAccountGuideFundstransferandinternationalitems(continued)2InternationalTransactionEffectiveonorafter3/5/20203.
00%WheneveryouuseyourTDBankDebitCardorTDATMCardoutsideoftheUStogetcashatanynon-TDATM,ortopurchasegoodsorservicesorforcashadvanceswewillchargeaninternationalexchangefeeequalto3%ofthetransactionamount.
ThisfeewillapplywhethertheTDBankDebitCardholderorTDATMCardholderisphysicallylocatedinsideoroutsidetheUSandthemerchantislocatedoutsidetheUS.
ProcessingpoliciesPostingorder(Theorderinwhichwithdrawalsanddepositsareprocessed)TransactionsareprocessedattheendofeachBusinessDayinthefollowingorder;whichmaynotbetheorderinwhichtheyoccurred:1.
Depositsthathavebecomeavailabletoyou2.
Pendingdebitcard,ATMorelectronictransactionsthathavebeenauthorizedbutnotyetpaid3.
Outgoingwiretransfers,returndeposititemsanddebitadjustmentsinhighesttolowestdollarorder4.
Overdraftfees,otherreturneditemfeesanddepositreturnfeesinhighesttolowestdollarorder5.
Checks,debitcardandATMtransactions,allotheraccountfees(exceptthosein#6below)andallotheritemsinthehighesttolowestdollarorder6.
Fees,suchasmonthlymaintenancefees,assessedattheendofastatementcycleFundsAvailabilityPolicy(Whenfundsdepositedtoyouraccountareavailable)Wiretransfers,electronicdepositsandtransfersbetweenaccounts–ImmediatelyCashdepositsmadeatanyTDBankStoreorATM–ImmediatelyNon-cashdepositsmadeatanyTDBankStore–Thefirst$100immediately–RemainderthenextBusinessDayNon-cashdepositsmadeatTDATMs–Thefirst$100immediately–RemainderthenextBusinessDayIfwefurtherdelaytheabilitytowithdrawfunds–Wewillnotifyyouandfundswillgenerallybeavailablenolaterthantheseventh(7th)BusinessDayafterthedepositdate.
DepositsmadethroughTDBankMobileDeposit–NextBusinessDayafterthedateofyourdepositThisrepresentsourgeneralpolicy.
Forspecificdetails,pleaseseetheFundsAvailabilityPolicyintheBusinessDepositAccountAgreement.
BusinessDayA"BusinessDay"isanon-federalholidayweekday.
TheendofaBusinessDayvariesbyStore,butitisnotearlierthan8:00p.
m.
EST.
IfyouhavequestionsorwouldlikemoreinformationDisputeresolutionPleasevisitanyofourStoresorcallusat1-888-751-9000.
Wewillbehappytoassistyou.
Inaddition,theBusinessDepositAccountAgreementgovernsthetermsandconditionsofbusinessdepositaccount(s)withus.
PleaserefertotheAgreementforcompletebusinesscheckingaccountdetails.
1TreasuryManagementAnalysisCustomers–themethodtowhichoverdraftfeesarechargedtoyouraccountmayvary,pleaserefertoyourBusinessDepositAccountAgreementforoverdraftfeeinformation.
|2WheneveryouuseyourTDBankDebitCardorTDATMCardoutsideoftheUStogetcashatanynon-TDATM,ortopurchasegoodsorservices,orforcashadvanceswewillchargeaninternationalexchangefeeequalto3%ofthetransactionamount.
ThisfeewillapplywhethertheTDBankDebitCardholderorTDATMCardholderisphysicallylocatedinsideoroutsidetheUSandthemerchantislocatedoutsidetheUS.
MemberFDIC,TDBank,N.
A.
|2019VisaU.
S.
A.
Inc.
20394D-SB(12/19)3of3