Td bank card not working

Td bank card not working DEFAULT

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We matched that to:

Why was my TD Credit Card declined?

A credit card may decline for many reasons, such as:

  • You have reached your credit limit
  • There are pending transactions that have lowered your available credit but have not been applied to the card balance
  • Payment has not yet been posted to the balance
  • Card details were entered incorrectly (card number, expiry date, or the security code (CVV))
  • PIN number was entered incorrectly or has been locked
  • Card is behind on payments
  • New or replacement card has yet to be activated
  • Card is expired
  • Card has been closed or cancelled
  • Personal credit card lock feature or block international purchase feature has been applied
  • Card has been temporarily blocked (for example, you may have reported your card as lost or stolen, or there has been unusual purchasing activity detected)

Login to your TD app or EasyWeb Online Banking to review your Account details and settings.

If you have sufficient available credit for your purchase and your card is in good standing, please contact TD Credit Cards for further assistance.

To help save you time, call us using the TD app. Doing this is a secure way to help get your call prioritized. Simply login to the TD app, scroll to the bottom of the home screen and select Contact Us > Call us.

 

Sours: http://td.intelliresponse.com/cbaw/?requestType=NormalRequest&source=3&id=9240&uuid=cf781122-ff24-11eb-b315-cf50b670b80c&question=Why+was+my+TD+Credit+Card+declined

Screenshots

Description

Bank anytime, anywhere with the TD Bank app – for personal and business.

The updated TD Bank app gives you secure, on-the-go access to your accounts, along with powerful and intuitive tools for managing them.

• Deposit checks with a convenient check-capture tool.
• Pay bills to almost any company or person.
• Lock and unlock misplaced or lost debit/ATM cards.
• Open an account in app.
• Send or receive money to and from friends and family.
• Make transfers between your accounts.
• Change your password and other profile settings.
• View account balances and activity.
• Review your statements.
• Give us your feedback right inside the app.
• TD ASAP (TM) - Live Customer Service 24/7.

By clicking "Get," you consent to the installation of the TD Bank (US) app provided by TD Bank, N.A. and to any future updates/upgrades. You are also acknowledging that you understand that the TD Bank (US) app and any future updates/upgrades will/may perform the functions described below at TD Bank, N.A.'s sole discretion. You may withdraw your consent at any time by deleting or uninstalling this app.

TD Bank, N.A. Member FDIC

Version 8.15.1

What’s new in this release:

• Activate a TD Credit Card.
• Add an authorized user to a credit card account.
• Order checks directly from your mobile app.
• Various optimizations and bug fixes.

Ratings and Reviews

4.8 out of 5

213.6K Ratings

Love the app and Adore TD reps.

The app is in constant use for me, I’d be lost without it at this point. It’s always worked perfectly. I absolutely love and appreciate the ASAP call feature. There doesn’t seem to be much difference between this version and the old version, but it’s still working great. There are glitches on the app and across TD since the updates, however I know TD will get them all worked out, so patience is all we need to have and taking the time to ask for supervisors to say thank you for the reps above and beyond help if you have to call them. I do that all the time. Every call, a rep gets a thank you directly to a supervisor because they deserve more gratitude and patience over angry calls. Top notch, exceptional company, online banking and people. No I don’t work for them. I’m a customer who’s been treated like a human being for years by the most wonderful people and I’m sharing my gratitude here also.

Re: Reply to JC. So happy to know the reviews are being seen and hopefully you know how much you’re appreciated. TD has been amazing with me through ‘so’ much. The app is perfect. Thank you greatly for your reply, JC. Wish I could express all the why’s for my comments about and apart from the app. Both are exceptional!! Best to you :)

Hi, we're glad to hear you've had a great experience with us and we're always here to help. Thanks for banking with TD Bank, America's Most Convenient Bank! –JC

AMAZING

My girlfriend and I went today to TD bank a little last minute. They close at 5 today and we went around 4:25 and even though they close soon they still put in so much time and effort and stayed after hours for us just to set up a checking account! We had a sweet lady named Stephanie, if you get her when you come in trust me when I say you’ll have a great experience especially if you’re a new member! She is so sweet, kind and patient. She walked me through absolutely everything and went beyond by giving my girlfriend and I a “refer a friend” piece of paper which we both get $50 if we agree to the terms!! I mean seriously the BEST experience we’ve had. Not to mention before we came in we were upset about our other bank that we have and wanted something different that was gonna help us now and our near future. Besides the point, amazing first impression and experience I am so excited to continue with this bank! Thank you so much Stephanie and all the other workers there as they are so kind!!🌸❤️

Can’t access anything

Opened my account, TD made 2 credits and 1 debit to my Schwab account for verification. I could not verify because the app (and website) wouldn’t let me log in anymore. It said to visit a branch or call. So I went to the closest branch in Pinehills Massachusetts, told them I had just opened an account and needed it verified so that I could get online access (and made a physical $1k deposit). Next day, still no access. Called TD bank and was told I needed to go to a physical branch to verify my identity. That was the whole point of me going to a branch yesterday! Especially with Covid going on now I have to leave my house 2 days in a row for what should be an unnecessary trip.

The two stars for the app are because I set up the account, created a user name and password that worked for about 3 days, but suddenly became unusable without any sort of notification or explanation. “Reset password” and “Forgot Login” didn’t prompt any email action either. Just instructed to call (where I sat through several minutes of “did you know you can reset your password with our app?) If more physical verification was required I could have been told in the first place, instead of waiting 3 days for a ACH transfer only to be locked out of my own account immediately afterwards. Makes zero sense; not a great start with this banking app.

The developer, TD Bank, N.A., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
TD Bank, N.A.

Size
194.6 MB

Category
Finance

Compatibility
iPhone
Requires iOS 11.4 or later.
iPad
Requires iPadOS 11.4 or later.
iPod touch
Requires iOS 11.4 or later.

Age Rating
4+

Location
This app may use your location even when it isn’t open, which can decrease battery life.

Copyright
© 2012 The Toronto-Dominion Bank

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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Did you get your new chip card? Activate it today for uninterrupted debit card service.


We're replacing your TD Bank Debit card early!
We recently mailed you a new TD Bank Debit Card. Although your current card is not due to expire, we are replacing it early�to provide you with upgraded chip technology.

If you have already activated your new chip card, please disregard this message.

Why do you need chip technology?
Our new chip card is more globally accepted and encrypts your data to reduce fraud. Plus, you can still use it as a swipe card at any merchant who hasn�t upgraded to chip technology.

What does this mean for you?
We'll be turning off your current debit card soon, so activate your new chip card today to ensure uninterrupted service:

  • Activate, sign, and begin using your new card
  • Destroy your old card
  • Update your recurring payments, like utility bills or gym membership, with your new card information

Using a digital wallet?
You�ll also need to update it with your new chip card info:

  • Delete your old card from your device
  • Add the replacement card, which will create a new device account number
  • Or, we�ll do it for you! Just call us at 1-888-751-9000
Find out more information and additional instructions on how to use your new card
Sours: https://www.tdbank.com/emvreminder/?cm_sp=b000-00-2234&oas_camp=TDBank/[email protected]_RIB_ROS_80txt_EN_Aug2016%7C47906264%7Conlinebanking.tdbank.com/en/accts/getaccts.asp%7Cx01
Victim of debit card theft voices anger with TD Bank

TD Visa® Connect Card - Frequently Asked Questions

Expand  About the TD Connect Card

What is the TD Connect Card?
How does a TD Connect Card work?
What are the benefits of owning a TD Connect Card?
Are there any fees associated with the TD Connect Card?
What are the load and purchase limits for the TD Connect Card?
How do I log into the TD Connect Card website for the first time?
Is the TD Connect Card a credit card?
How is the TD Connect Card different from a gift card?
What should I do if the "Good Thru" date printed on the front of my TD Connect Card has passed?
Are there any additional services and benefits that come with my TD Connect Card?
What if I have questions regarding my TD Connect Card Account?


What is the TD Connect Card?

The TD Connect Card is a reloadable prepaid card that is safe, convenient and more secure than carrying cash. It works at the grocery store, the pharmacy, and when making purchases online or through your smartphone, anywhere Visa is accepted. With a TD Connect Card you can shop and pay bills online or over the phone. It lets you track purchases, set alerts and limits the amount you can spend to the amount of money on the card. Plus, you can enjoy free access at TD ATMs in the U.S. and Canada.

How does a TD Connect Card work?

The TD Connect Card is easy to fund and use.

Load your card: There are several ways to load money onto your card.

  
TD Connect Card website*:Load online with a TD Bank debit or credit card 24 hours a day 7 days a week.
Direct Deposit:Set up direct deposit of your paycheck, Government benefit check or tax refund in any amount desired.
TD Bank Stores:You can deposit cash or checks, or transfer funds from a TD checking or savings account, by visiting any TD Bank location.

Spend with your card: The TD Connect Card can be used for purchases big or small, anywhere Visa is accepted.

  • At Retailers: Use your card at the millions of retailers worldwide that accept Visa.
  • Online: Use your TD Connect card at any online merchant who accepts Visa as well as with utility, phone, cable and other companies.
  • ATMs: Enjoy free access at thousands of TD ATMs in the U.S. and Canada for withdrawals and balance inquiries.

And remember you can only spend the amount of money that's on your TD Connect Card, so you'll never be charged an overdraft fee.

Stay in control of your money: Set up online account alerts on the TD Connect Card website* and keep track of your TD Connect Card account activity and balance 24 hours a day, 7 days a week, 365 days a year.

What are the benefits of owning a TD Connect Card?

There are many benefits to owning a TD Connect Card:

  • You have access to your funds 24/7. You can load funds onto your card online, at your local TD Bank or by direct deposit from your paycheck, Government benefit checks or tax refunds. You can use your card worldwide, anywhere Visa is accepted – in person, online, over the phone or to make purchases through your smart phone. And you can withdraw funds and check your balance for free at any TD ATM in the U.S. or Canada.
  • You control how much money you spend. With a TD Connect Card you decide how much money to load onto your card. It's a built-in budget, just set it and forget it.
  • Your money is safe and secure. All funds loaded onto your card are FDIC insured. We will also monitor your card for suspicious activity. And if your card is lost or stolen, you're only responsible for purchases you actually made thanks to Visa's Zero Liability policy.1
  • You won't be charged hidden fees. We won't charge you a fee to talk to us, load funds or make withdrawals at TD ATMs in the U.S. and Canada.
  • You decide how often you hear from us. You can select from a choice of multiple alerts as well as track your balance and spending online by visiting the TD Connect Card website*.

Are there any fees associated with the TD Connect Card?

Yes, there are fees associated with the TD Connect Card. If you have a valid TD Bank checking account, the monthly maintenance fee is $2.99. If you do not have a valid TD Bank checking account, the monthly maintenance fee is $5.99. For the full picture of our fees please see the TD Connect Card Account Guide for an easy to follow outline of our services, fees and policies.

What are the load and purchase limits for the TD Connect Card?

After the minimum initial load of $25, there is no minimum reload amount or ongoing minimum balance requirement for the TD Connect Card. The following load and purchase limits apply to the TD Connect Card:

 Amount
Initial load amount:$25.00 minimum
$5,000.00 maximum
Reload amounts:No minimum reload
$5,000.00 maximum per day
$10,000.00 maximum per 30 days
Maximum card balance:$10,000.00
Purchase amount limit:Up to $5,000.00 per transaction
ATM withdrawal and/or cash access at point of sale:$750.00 per day
$3,000.00 per week

Please see the TD Connect Card Account Guide for an easy to follow outline of our services, fees and policies.

How do I log into the TD Connect Card website for the first time?

Visit the TD Connect Card website* and click Sign In. Enter your TD Connect Card number. Verify your identity by entering the 3-digit security code printed on the back of your card followed by the last four digits of your social security number. You will then be instructed to create a Personal Identification Number (PIN). After logging in, complete your profile by providing your e-mail address, creating a username and selecting your security information.

Is the TD Connect Card a credit card?

No. The TD Connect Card is not a credit card; it is a reloadable prepaid card that you can add funds to when you want. You can only spend the amount of money you have on your card, which helps you to manage your money and eliminates overdraft fees. And we never run a credit check.

How is the TD Connect Card different from a gift card?

The TD Connect Card allows you to continue to add funds to your card. You can not add funds to a gift card and once you use all the funds on the gift card it is no longer valid. Unlike gift cards, you can use a TD Connect Card to withdraw cash at ATMs and branches and get cash back at participating merchants.

What should I do if the "Good Thru" date printed on the front of my TD Connect Card has passed?

The money on your TD Connect Card and in your TD Connect Card account never expires. TD Bank will mail you a new card before the "Good Thru" date passes. If your TD Connect Card has expired and you have not received your new card, please call Customer Service at 1-888-568-7130.

Are there any additional services and benefits that come with my TD Connect Card?

Yes. TD Connect Customers can enjoy the following:

  • FREE TD Bank Visa® Gift Cards
  • FREE Check Cashing (TD Bank Checks)
  • Money Orders
  • Official Checks
If you have no other TD Bank accounts and you wish to take advantage of the above services, just show your TD Connect Card and a form of identification at your nearest TD Bank.

What if I have questions regarding my TD Connect Card account?

Account information may be obtained via the TD Connect Card website*. For your convenience the website, automated account information and dedicated Customer Service Representatives at 1-888-568-7130 are available 24 hours a day, 7 days a week. Or you can visit any TD Bank location.

Expand  Purchasing a TD Connect Card

How do I purchase a TD Connect Card?
Do I need to be a TD Bank Customer to purchase a TD Connect Card?
Who can purchase a TD Connect Card?
How much does it cost to purchase a TD Connect Card?
Can I purchase more than one TD Connect Card?
Is a checking account required?
Is a credit check required?
Can I build my credit rating by using a TD Connect Card?

How do I purchase a TD Connect Card?

Getting a TD Connect Card is easy. Visit any TD Bank location to purchase a TD Connect Card – your TD Connect Card will be issued to you on the spot, with your name printed on it, and will be ready to use as soon as you walk out of the Store. If you are not issued a card on the spot or your card has been replaced, your card will arrive in the mail within 5-7 business days after it's ordered. Once received, you will need to activate your card by visiting the TD Connect Card website* or by calling Customer Service at 1-888-568-7130. Unfortunately, you cannot buy a TD Connect Card online.

Do I need to be a TD Bank Customer to purchase a TD Connect Card?

No. You do not need to be a TD Bank Customer to purchase a TD Connect Card. You may purchase a TD Connect Card at any TD Bank location and load the minimum initial balance of $25 onto the card by cash or check.

Who can purchase a TD Connect Card?

Anyone 18 years of age or older with a valid Social Security number and valid U.S. address can purchase a TD Connect Card by visiting any TD Bank location. At the time of purchase, you must put a minimum initial balance of $25 onto the card by any of the following methods: cash, check or transfer from a TD checking or savings account.

How much does it cost to purchase a TD Connect Card?

There is no fee to purchase a TD Connect Card, but you must put a minimum of $25 on the card at the time of purchase.

Can I purchase more than one TD Connect Card?

No. You may only purchase one TD Connect Card and it must be for you.

Is a checking account required?

No, a checking account is not required to purchase or fund a TD Connect Card.

Is a credit check required?

No, a credit check is not required and will not be performed.

Can I build my credit rating by using a TD Connect Card?

No, the TD Connect Card will not help you build your credit rating. The TD Connect Card is not a credit card, so there are no payments that would be reported to a credit reporting agency.

Expand  Funding your TD Connect Card

How do I load money onto my TD Connect Card?
Does the TD Connect Card have a minimum or maximum balance requirement?
When will funds be available to use?
How do I fund my TD Connect Card using my TD Bank debit or credit card?
How do I fund my TD Connect Card from my TD Bank checking or savings account?
How do I fund my TD Connect Card with cash or a check?
What is direct deposit?
How do I set up direct deposit?
Can I get my Federal tax refund added to my TD Connect Card account?
Can I get my Federal tax refund added to my TD Connect Card account if I am filing jointly?
Can I get my state tax refund added to my TD Connect Card account?
Can I transfer funds from my TD Connect Card to another account?

How do I load money onto my TD Connect Card?

There are several ways to load money onto your card.

  
TD Connect Card website*:Load online with a TD Bank debit or credit card 24 hours a day 7 days a week.
Direct Deposit:Set up direct deposit of your paycheck, Government benefit check or tax refund in any amount desired.
TD Bank Stores:You can deposit cash or checks, or transfer funds from a TD checking or savings account, by visiting any TD Bank location.

Does the TD Connect Card have a minimum or maximum balance requirement?

After the initial minimum opening amount of $25, there is no minimum re-load amount for adding funds or ongoing minimum balance requirement for the TD Connect Card. The maximum amount you may have on your card at any time is $10,000.

When will funds be available to use?

Funds loaded to the TD Connect Card using a TD Bank debit or credit card or transferred from a TD checking or savings account, or cash deposited at a TD Bank Store, will be available immediately. Funds loaded to a TD Connect Card using direct deposit from another bank will be available the same day we receive the transfer. The first $100 of funds loaded to the TD Connect Card through a check deposit at a TD Bank Store will be available the same day, and any remaining balance will generally be available the next Business Day. This represents our general policy, some restrictions may apply. For specific details, please see the TD Connect Terms & Conditions.

How do I fund my TD Connect Card using my TD Bank debit or credit card?

To fund your TD Connect Card with your TD Bank debit or credit card, go to the TD Connect Card website* and log in to your account. You will need to provide your debit or credit card information and verify your billing address. Funds loaded to your card using a TD Bank debit or credit card will be available the same day the transfer is made.

How do I fund my TD Connect Card from my TD Bank checking or savings account?

To fund your TD Connect Card via a transfer from a TD Bank checking or savings account visit any TD Bank location and request the transfer. Funds loaded to your card via a transfer from a TD Bank checking or savings account will be available the same day the transfer is made. You can avoid going to a TD Bank Store by funding your card online at the TD Connect Card website* using your TD Bank debit or credit card.

How do I fund my TD Connect Card with cash or a check?

To fund your TD Connect Card with cash or check visit any TD Bank location and make a deposit. Funds loaded to your card with cash will be available immediately. The first $100 of funds loaded to the TD Connect Card through a check deposit at a TD Bank Store will be available the same day, and any remaining balance will generally be available the next Business Day. You can avoid going to a TD Bank Store by funding your card online at the TD Connect Card website* using your TD Bank debit or credit card.

What is direct deposit?

Direct deposit is a free electronic transfer of your paycheck, Government benefit check or tax refund that automatically places your check or part of your check into your TD Connect Card account.

How do I set up direct deposit?

To set up a direct deposit, visit the TD Connect Card website* and log in to your account. Here you'll find "Direct Deposit Instructions" as well as your TD Connect Card account and routing numbers. This will map out how to set up a direct deposit and includes the form you will need to complete and give to your employer's payroll department to request direct deposit of your payroll check. You can use this same form to set up a direct deposit of Government benefit checks and tax refunds.

Can I get my Federal tax refund added to my TD Connect Card account?

Yes. You can have your Federal tax refund added to your TD Connect Card account. For more details about tax refunds, please visit the IRS website.

Can I get my Federal tax refund added to my TD Connect Card account if I am filing jointly?

Yes, as long as your Social Security number is listed first on your Federal tax refund and the information on your Federal tax refund, including your full name and Social Security number, matches the information we have on file. If you are filing jointly but your Social Security number is not listed first, or if the information on your Federal tax refund does not match the information we have on file, your Federal tax refund direct deposit will not be posted to your TD Connect Card account.

Can I get my state tax refund added to my TD Connect Card account?

Yes. If your state allows direct deposits to bank accounts, you can have your state tax refunded directly deposited to your TD Connect Card account. Please consult your state for instructions.

Can I transfer funds from my TD Connect Card to another account?

No. Transfers from a TD Connect Card to other accounts or prepaid cards are not available.

Expand  Using your TD Connect Card

How do I activate my TD Connect Card?
Who can use the TD Connect Card?
Can someone else besides the cardholder use the TD Connect Card?
Where can I use my TD Connect Card?
Do I need a PIN to use my TD Connect Card?
Can I use digital wallets with my TD Connect Card?
What is the purpose of the chip on my TD Connect Card?
When using my TD Connect Card, should I select "credit" or "debit"?
Can I withdraw cash with TD Connect Card?
How can I be sure of the balance on my TD Connect Card?
Can the TD Connect Card be used to make a purchase that is larger than the balance on the card?
Can I split my purchase when paying with my TD Connect Card?
How can I view where my TD Connect Card was used?
Can I get cash back at the register when I am making a purchase with my TD Connect Card?
If I need to return a purchase will my TD Connect Card be credited?
Can I use my TD Connect Card to pay bills or make payments?
Can the TD Connect Card have a negative balance?
Can I use my TD Connect Card at a gas station?
Will some merchants place a hold on the money in my TD Connect Card account that is more than the actual purchase amount?
Does my TD Connect Card expire?
How do I close my TD Connect Card?

How do I activate my TD Connect Card?

Your TD Connect Card will be issued to you on the spot2 at a TD Bank Store, with your name printed on it, and will be ready to use immediately. You will be prompted to create your PIN the first time you visit the TD Connect Card website* or call Customer Service at 1-888-568-1730.

If for some reason you are not issued a card on the spot or your card has been replaced, your card will arrive in the mail within 5-7 business days after it's ordered. Once received, you will need to activate your card by visiting the TD Connect Card website* or calling Customer Service at 1-888-568-7130. You will be prompted for specific information to authenticate the card. The card can be used as soon as it is activated.

Who can use the TD Connect Card?

Only the person whose name is on the front of the TD Connect Card can use the card. You must be 18 years of age or older to buy and use a TD Connect Card.

Can someone else besides the cardholder use the TD Connect Card?

Absolutely not. You should keep the card and the card number under your control at all times. You should not tell anyone your PIN or card number, and you should not write your PIN on the card.

Where can I use my TD Connect Card?

The TD Connect Card is accepted for purchases wherever Visa is accepted, including online. Enjoy free access at thousands of TD ATMs in the U.S. and Canada.

Do I need a PIN to use my TD Connect Card?

There are two ways to use your TD Connect Card – you can sign for your purchases, or you can enter your PIN. Many times you will automatically be prompted to enter your PIN. If this happens, you can still choose to sign your receipt instead of entering your PIN. You simply need to tell the clerk you want to sign for your purchase and you don't want to use your PIN. Each merchant has their own process to override the PIN to ensure you can sign for your purchases. In some instances, you can sign for your purchases by selecting "credit" instead of "debit" on the terminal before conducting your payment.

What is the purpose of the chip on my TD Connect Card?

The chip embedded on the front of the card provides an additional layer of security when used at a chip-enabled terminal. For convenience, your card still has a magnetic stripe on the back to use at non-chip enabled terminals. You can continue to make purchases wherever Visa is accepted. Learn more about chip technology.

Can I use digital wallets with my TD Connect Card?

Yes, your TD Connect Card is eligible for use with digital wallets. Learn more about this convenient way to pay.

When using my TD Connect Card, should I select "credit" or "debit"?

To make a Visa signature transaction, select "credit" when conducting your transaction. You will need to sign the receipt to complete the transaction. To make a PIN transaction, select "debit" when conducting your transaction and then enter your PIN number. Participating merchants will also allow you to get additional cash back from the transaction, if you choose.

Can I withdraw cash with my TD Connect Card?

You will be allowed to withdraw cash at ATMs and to get cash back at participating retailers – many grocery stores, pharmacies and national retailers allow this. You can use any TD ATM in the U.S. and Canada and will not be charged any fees. You can also use any non-TD ATM that accepts Visa, but we will charge you a $3 fee and the bank whose ATM you are using will likely charge you surcharge fees as well. Please see the TD Connect Terms & Conditions or Account Guide for more information on fees. To withdraw cash or view your balance at an ATM, choose the "Checking" option as the account type.

Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries. The amount you can withdraw depends on the available funds in the card account, but you can't take out more than $3,000 per week. Be sure to know your PIN when withdrawing cash at an ATM.

How can I be sure of the balance on my TD Connect Card?

There are a few ways to check your balance. You can check your balance on the TD Connect Card website*, you can visit any TD Bank location, or you can set up the "Daily available balance" account alert and we will send you a daily e-mail and/or text message with your card balance. You can also call Customer Service at 1-888-568-7130.

Can the TD Connect Card be used to make a purchase that is larger than the balance on the card?

You cannot make purchases for amounts larger than the amount of money on your card. Occasionally a merchant will allow a purchase before checking the amount of money on your card. When they do this, it might result in your card having a negative balance. This is not very common, but if it does happen, TD Bank will automatically reduce the difference from the next deposit made to your card. An overdraft fee will not be charged. Keeping track of your balance will help you avoid this.

Can I split my purchase when paying with my TD Connect Card?

If the merchant allows, you may split your purchase and pay with your TD Connect Card and another form of payment.

How can I view where my TD Connect Card was used?

To see where your TD Connect Card was used, log into your account by visiting the TD Connect Card website*. You can also visit any TD Bank location, or set your TD Connect Card up online to receive a text or e-mail alert each time a transaction is made with your TD Connect Card. You may also call Customer Service at 1-888-568-7130.

Can I get cash back at the register when I am making a purchase with my TD Connect Card?

If the merchant supports it, you can get cash back at the register during a PIN-based purchase. Just select the "debit" payment option at the register.

If I need to return a purchase will my TD Connect Card be credited?

Any credit for a returned or exchanged purchase must come from the merchant and is subject to the merchant's policy. It may take up to 7 Business Days after we receive the credit from the merchant to add it back to your TD Connect Card account balance.

Can I use my TD Connect Card to pay bills or make payments?

Yes, your TD Connect Card makes bill payment more convenient. You can use your 16-digit TD Connect Card number to pay bills at merchants that accept Visa online, over the phone or in person.

Can the TD Connect Card have a negative balance?

A negative balance may occur if the final purchase amount the merchant submits to us is greater than the amount we originally authorized, or the merchant processes a transaction without prior authorization. For example, your TD Connect Card has an available balance of $48, you and your friends go out to dinner and your bill comes to $40 which you pay using your TD Connect Card. We authorize the transaction and your card is approved. You sign the merchant copy of the receipt and leave your server a $10 tip forgetting you only have $8 left available to you. The merchant then processes the final purchase amount of $50 and causes your TD Connect Card balance to be negative $2.

Your monthly fee will also deduct from your balance even when your available balance is less than the monthly fee. This is not very common, but if it does happen, TD Bank will automatically reduce the difference from the next deposit made to your card. An overdraft fee will not be charged. Keeping track of your balance will help you avoid this

Can I use my TD Connect Card at a gas station?

Yes. If you would like to use your TD Connect Card at a gas station, we recommend paying inside and specifying the exact amount. Some gas station terminals are set up to automatically preauthorize transactions at the pump for a predetermined amount prior to the purchase (for example, many charge $75) that may exceed the balance on your card and cause your card to be declined. The best way to avoid this is to pay inside by telling the clerk the exact amount you wish to buy before you start pumping.

Will some merchants place a hold on the money in my TD Connect Card account that is more than the actual purchase amount?

Yes. Some merchants may place a hold on the money in your TD Connect Card account that is more than the actual purchase amount. Money may be placed in a hold status to cover something you paid for with your TD Connect Card while the merchant finishes processing the purchase. Merchants put a hold on your money so they can guarantee payment for your purchase. You will be unable to access any money that is being held. Here are some examples of when this could occur:

  • Restaurants: It is customary for restaurants to automatically add 20% to the amount of the bill when authorizing your purchase. For example, you and your friends go out to dinner, your bill not including tip is $15, the merchant may hold an additional 20% to cover any tip you may leave on your TD Connect Card. So instead of the merchant holding $15, they will hold $18. Remember to make sure that the balance on your card is enough to cover the total bill (including the tip) or the purchase may be declined.
  • Gas stations (pay at the pump): Gas stations sometimes program the electronic terminal at the pump to seek approval for a set amount that could be in excess of the actual purchase amount. For example, when you swipe your TD Connect Card at a gas station pump, the system doesn't know how much gas you'll purchase. You only pump $20 worth of gas but the system authorizes you for $75. Within a few business days, the merchant will submit the true transaction amount of $20 and the additional $55 being held will be released. To avoid this, simply pre-pay for the gas (for an exact amount) with an attendant inside the station.

Does my TD Connect Card expire?

The money on your TD Connect Card will not expire. However, there is a "Good Thru" date printed on the front of your card. This date is needed by merchants in order to process a transaction. TD Bank will mail you a new card to the address we have on file before your card passes the "Good Thru" date.

How do I close my TD Connect Card?

If you have decided to close your TD Connect Card, please visit any TD Bank location or call Customer Service at 1-888-568-7130. Customer Service Representatives will assist you in closing the card and will reverse any remaining funds in the account to the primary funding account, if one is on file. Otherwise a check will be mailed to you. Funds will be reversed after the account has been closed for 30 days. If you would prefer a check for the remaining funds, you should remove the funding account before you call Customer Service, and advise Customer Service you would like a check for the remaining funds in your TD Connect Card account.

Expand  International usage

Can the TD Connect Card be used outside of the U.S.?
When traveling outside the U.S., how will I make payments for purchases?
Can I use a TD Connect Card at a bank outside the U.S. to obtain local currency?
Why should I inform TD Bank that I am traveling outside the U.S.?
What are the fees for using an ATM outside the U.S.?
What do I need to do to make sure my TD Connect Card will work outside the U.S.?
How can I get foreign currency for a trip I am taking abroad?
Can I order foreign currency online?
What precautions should I take to protect my finances when traveling?

Can the TD Connect Card be used outside of the U.S.?

Yes. You can use your TD Connect Card virtually anywhere Visa is accepted. If the purchase is not completed in U.S. dollars, it will be converted or exchanged to U.S. dollars. The exchange rate will be applied either by the network that processes the transaction or the government-mandated rate in effect for the date the network processes the transaction, which may be on a date that is different than when you actually used the card.

Please note: Popular tourist and business destinations outside the U.S. have progressed to chip-based cards. This means that on rare occasions magnetic stripe only cards may not work outside the U.S.

When travelling outside the U.S., how will I make payments for purchases?

While traveling, you can use your TD Connect Card to make purchases or to get cash at an ATM (limits apply) where Visa is accepted. You can also order foreign currency from any TD Bank at least 2 business days prior to leaving for your trip. TD Bank will also buy back any unused foreign currency when you get back from your trip.

Can I use a TD Connect Card at a bank outside the U.S. to obtain local currency?

You can withdraw local currency using your TD Connect Card at international ATMs accepting Visa cards. To reduce the risk that your card will be declined, be sure you withdraw less than the maximum ATM limit ($3,000/week) to cover conversion rates and ATM surcharge fees. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on limits and fees.

Please note: Due to security risks, use of your TD Connect Card may be restricted in certain countries.

Why should I inform TD Bank that I am traveling outside the U.S.?

To help avoid an interruption in your TD Connect Card service, please let us know of your travel plans. This way we know it's you using your card. Standard limits still apply when traveling in U.S. dollars. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on limits.

What are the fees for using an ATM outside the U.S.?

There are several fees that you can expect to pay when using a foreign ATM, including:

  • Usage fees from the owners of the ATM and ATM network
  • Currency exchange fees from Visa
  • Non-TD ATM usage fees from TD Bank

Please see the TD Connect Card Terms & Conditions or Account Guide for more information on fees.

What do I need to do to make sure my TD Connect Card will work outside the U.S.?

There are a few things you should do before you leave the U.S. to ensure your TD Connect Card will work in a foreign country.

  1. Call us at 1-888-568-7130 one week in advance to tell us about your travel plans; this lets us know it is you using your card and will help you avoid an interruption in your TD Connect Card service.
  2. Load the necessary funds to your TD Connect Card.

Standard limits still apply in U.S. dollars when traveling. If you encounter any issues while traveling, please contact us 24/7 at 1-888-568-7130 or call us from outside the U.S. and Canada at 1-215-569-0518.

How can I get foreign currency for a trip I am taking abroad?

You can order foreign currency at any TD Bank and pick up your order in 2 business days.

Can I order foreign currency online?

At this time, we do not offer online ordering for foreign currency. However, you may visit your local TD Bank to place and order and then pick up within 2 business days (limits may apply).

What precautions should I take to protect my finances when traveling?

Personal safety is important no matter where you are. When traveling outside the U.S., use common sense and take precautions to reduce your risks. A few steps you can take include:

  • Photocopy the front and back of your passport and your TD Connect Card before you leave on your trip. Secure the copies separately from your wallet, passport and cash.
  • If you have a secure mobile phone with e-mail access, send the scanned documents to yourself.
  • Carry just enough cash to cover incidentals, public transportation and tips.
  • Use caution at ATMs and try to use ones located in populated and safe areas.
  • Consider obtaining travel insurance before you leave. Depending on the policy, it may cover canceled flights, lost luggage, emergency medical treatment or disaster evacuation.

Expand  Website and Personal Identification Number (PIN)

How can I manage my TD Connect Card online?
How do I set up online access?
What should I do if I forget my Username and/or Password?
How do I update my personal information?
How do I check my available balance or my transaction history?
Can I get information about my TD Connect Card Account via text or e-mail?
What are account alerts?
How do I set up text message alerts?
How do I stop text message alerts?
Will I get a paper statement?
How do I set or change my Personal Identification Number (PIN)?
What if I have forgotten my PIN?
What can I do to keep my PIN and Password secure?

How can I manage my TD Connect Card online?

Keep track of your TD Connect Card activity by visiting the TD Connect Card website*. Once enrolled you will be able to view:

  • Balance/ transaction history
  • Funding history
  • Direct deposit instructions
  • Monthly statements
  • Profile settings

You will also be able to set up and manage account alerts including daily balance alerts.

How do I set up online access?

Visit the TD Connect Card website* and click Sign In. Enter your TD Connect Card number. Verify your identity by entering the 3-digit security code printed on the back of your card followed by the last four digits of your social security number. You will then be instructed to create a Personal Identification Number (PIN). After logging in, complete your profile by providing your e-mail address, creating a username and selecting your security information.

What should I do if I forget my username and/or password?

If you forget your username you can use your 16 digit card number and password to successfully log in. If you have forgotten your password click "Forgot Password?" then follow the prompts to retrieve or create a new password.

How do I update my personal information?

You can update your name, address or date of birth by visiting us at any TD Bank location. You can also update your address by calling Customer Service at 1-888-751-9000.

How do I check my available balance or my transaction history?

There are a few ways to check your balance and view your transaction history. You can check your balance and view transaction history on the TD Connect Card website*. You can set your TD Connect Card up online to receive a text or e-mail alert with your balance and each time a transaction is made with your TD Connect Card. You can also call Customer Service at 1-888-568-7130.

Your available balance is the amount of money that is on your card that you can spend. The card amount increases when you load funds on the card and decreases when you buy something or use an ATM. Your available balance may not reflect TD Connect Card transactions not yet processed by the merchant for payment (pending transactions).

Can I get information about my TD Connect Card account via text or e-mail?

Yes. You have the ability to set up various e-mail and/or text message alerts.

What are account alerts?

Account alerts are messages sent from the TD Connect Card program to your e-mail or through your mobile device. Alerts can be set up to keep tabs on the TD Connect Card account or to notify you when important account activity occurs. The following account alerts are available:

  • Daily available balance – The amount of money you have access to on your card; received on a daily basis at approximately 10:00am EST.
  • Low balance – You can set up this alert to let you know when the balance on your card reaches any dollar amount. You choose the amount and we will let you know each time your card hits that level.
  • Approval of pending transaction – Pending transactions are approved payments that are awaiting confirmation from the merchant. After a few days the transaction will be confirmed and marked as posted. Once the transaction is posted, we will send you an alert letting you know your pending transaction has been approved.
  • Declined transactions – Received whenever you perform a transaction that is not allowed. The decline could be due to various reasons. To understand why your purchase was declined, call Customer Service at 1-888-568-7130.
  • New funds loaded – Received every time money is loaded to your card by you or by direct deposit.
  • Change of card status – Received whenever the status of your card has changed, such as when a replacement card is issued, your card is activated, or your card is being closed.
  • Cardholder profile update – Received whenever your profile is updated. For example, we will send you an alert when your password is changed.

How do I set up text message alerts?

You may set up text message alerts by going to the TD Connect Card website* and logging in to your account. After you enter and confirm your text message device number, a validation code will be sent to the number you entered. When you receive the validation code you must enter it online or call Customer Service and provide the code to a representative. Once your device has been validated you can set up any desired alerts. You can also set up alerts by calling Customer Service at 1-888-568-7130.

Note: While TD Bank does not charge a fee for text message alerts your service provider may charge text fees. Please check with your wireless provider for possible fees related to text messages.

How do I stop text message alerts?

If you wish to stop text alerts, text "STOP" to 868472 or 288472.

Will I get a paper statement?

You will not receive a paper statement in the mail. All your transactions are available online on the TD Connect Card website*. If you would like a written history of account transactions, visit any TD Bank or call Customer Service at 1-888-568-7130. A fee will apply. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on fees.

How do I set or change my Personal Identification Number (PIN)?

You will be automatically instructed to create your PIN the first time you call Customer Service or when you first visit the TD Connect Card website*. Your four-digit PIN will allow you to access your account at ATMs and for PIN point-of-sale transactions. You may change or reset your PIN anytime online or by calling Customer Service at 1-888-568-7130.

What can I do to keep my PIN and password secure?

To keep your PIN and password secure do not create an obvious PIN or password like your birthday or a pet's name and never give your PIN or card number to anyone. Change your PIN from time to time and do not write the PIN on your TD Connect Card.

Expand  Keeping your TD Connect Card secure

Sours: https://www.tdbank.com/faqs/frequently-asked-questions-tdconnect.html

Bank card not working td

Electronic Banking

Things to know about your TD Canada Trust Access Card

1. TD Canada Trust Access Card gives you secure access to your TD Canada Trust accounts. No one can access your accounts without your unique TD Canada Trust Access Card number and your confidential Personal Identification Number (PIN), EasyLine PhoneCode or EasyWeb password.

2. Here's how to protect your PIN:

  • Protect Your PINMemorize your PIN. Never keep a record of your PIN near your Access Card
  • Avoid choosing a PIN that might be easily guessed (such as your birthday, phone number, address)
  • Don't tell anyone your PIN
  • When entering your PIN, take precautions to keep it from the view of others.
  • If you forget or need to change your PIN, go to your branch. After verifying your identity, the branch will help you select a new PIN

3. If your TD Canada Trust Access Card is lost or stolen, call 1-866-222-3456 or go to your nearest TD Canada Trust Branch to notify us immediately. A replacement card can be obtained quickly at any branch.

4. If you plan to use your Access Card at ATMs internationally, it is recommended that your PIN be between 4 and 6 digits long and that the accounts you wish to access be connected to the Chequing and/or Savings button. Visit www.visa.com for more information on the Visa/PLUS ATM network of ATMs, including their location.

5. The use of your TD Canada Trust Access Card is governed by the terms of the Financial Services Agreement and Cardholder and Electronic Financial Services Terms and Conditions.

6. The enhanced TD Access Card carries the Visa Debit symbol. Now that the enhanced TD Access Card carries the Visa Debit symbol, you can use it wherever Visa/Visa Debit is accepted. Whether online, by mail or phone, select Visa or Visa Debit, use your 16 digit card number, expiry date and 3 digit security (CVV2) number on the back to make your payment. Unlike a credit card, the funds come right out of your account. Just look for the Visa/Visa Debit symbols wherever you shop online.

7. With the enhanced TD Access Card, you can make contactless payments with your card thanks to Interac Flash. Interac Flash is an optional faster, more convenient way to pay securely for small purchases at participating merchants in Canada without entering your PIN. It's a great convenient way to quickly and easily pay for small, everyday purchases under $100 – directly from your TD Canada Trust account.
If you opted to have contactless debit payment enabled on your enhanced TD Access Card please be sure to activate your enhanced Access Card first by making a transaction that requires you to enter your PIN (e,g, ATM withdrawal, in-store debit purchase). Once you’ve done this you are ready to simply "flash" your card at a contactless reader that supports Interac Flash, instead of inserting it and entering your PIN. Just wait for the approval and you're ready to go!


Sours: https://www.tdcanadatrust.com/products-services/banking/electronic-banking/tda-card.jsp%20
TD Bank Curbside Debit Card Replacement

TD customer fuming after bank cancels debit card without alerting her

A Toronto woman is speaking out after TD Canada Trust cancelled her debit card without notifying her.

After dinner one night last month, Mila Mayall tried to pay for the meal using her debit card, but the transaction wouldn't go through. 

So she went to a convenience store to take out cash, but that didn't work either. It was only when she called TD Canada Trust that she was told her debit card had been cancelled. 

"They didn't even call me to warn me that that happened," said Mayall. "I had to call them."

TD Canada Trust has since admitted the error and apologized.

Mayall said the bank told her a new debit card had been mailed to a different customer by mistake, and that when bank officials realized this the card was cancelled. 

On Wednesday, TD issued an email statement to CBC Toronto to confirm that's what happened.

"Human error resulted in one customer accidentally receiving another customer's debit card," the bank said.

"Based on our review, this error did not result in any unauthorized access to our customer's accounts or financial information."

Mayall said a bank manager assured her that her account hadn't been compromised, but the cancellation and following back-and-forth with the bank left her upset. 

"I still feel violated," she told CBC Toronto.

Mayall says TD Canada Trust has given her $500 to compensate her for the inconvenience the error caused.

Sours: https://www.cbc.ca/news/canada/toronto/debit-tdbank-fraud-cash-bank-1.5365507

Now discussing:

Instant-Issue Debit Cards

Need a replacement debit card? No biggie.

We've got you covered with Curbside Pick-up.

To get started, head to our store locator to find a location offering Curbside Pick-Up.

Pick a time you'd like to swing by in the next day or two, and confirm your appointment.

This next step's important: Be on the lookout for a call from us, we'll need to hash out a few details over the phone before we can get your new debit card ready to go.

You'll also get a confirmation email AND text message
Keep this info handy so you can check-in when you get to your Store.
Once it's time for pick-up, skip the drive-thru line and pull right into an open spot near the entrance.

You can wait in your car—or if you're walking, wait just outside the store.

Use the check-in link from your email or text to let us know you're here and how we can find you.

Have your ID ready so we know your new debit card is landing in the right hands.

We'll give you instructions on how to activate your debit card, and you'll be good to go.

You never have to lose it over a lost debit card—we're here when you need us, curbside.

Sours: https://www.td.com/us/en/personal-banking/curbside-pickup/


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