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Security Frequently Asked Questions

What is a voiceprint?

Like a fingerprint, a voiceprint is a way to verify who you are. Like the lines in your finger are linked to your unique fingerprint, this print is based on your voice. It's composed of over a hundred different characteristics that represent your voice (e.g., the shape and size of your vocal tract). No one else has a voice just like you.

At TD Bank, with your permission, we can use your voiceprint to verify your identify so you can quickly get the help you want on the phone. Learn more about TD VoicePrint.

How do I enroll in TD VoicePrint?

It's easy as

  • Call Live Customer Service
  • Request to enroll in TD VoicePrint
  • The customer service representative will get you set up

Simply put, the software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.

Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.

Then, the next time you call, and for all the calls after (as long as you wish to remained enrolled), you can verify your identify simply by using your voiceprint. Learn more about TD VoicePrint.

What should I do if I suspect my online information has been compromised?

If you are a TD Bank Customer and believe you are a victim of fraud or identity theft, immediately contact Customer Service at . Read more about Reporting Identity Theft.

How did my user name and password get compromised?

Most accounts are compromised by responding to a phishing e-mail, keylogger or Trojan Horse virus that was installed on your PC through a fraudulent e-mail or possibly by someone with whom you may have shared your user name and password. To prevent this from happening, we recommend the following actions:

  • Install anti-virus software on your computer.
  • Update your virus definitions regularly.
  • Use good judgment before opening strange or unexpected e-mail attachments and/or files.
  • Back up your data.

What is phishing?

Phishing (pronounced "fishing") is an electronic scam that attempts to obtain confidential personal or financial information from its target. It takes the form of a fake message, usually an e-mail, which appears to be from a financial institution or service provider. The message usually includes the company name, logo and a link to a website which instructs you to update your account information by providing your Social Security number, bank account number, PIN, password, birth date, etc. with a dire warning if action isn't taken. A phisher can then use your personal information to commit fraud. Learn more about phishing and how to protect yourself.

What is a keylogger?

A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the Internet to a pre-determined remote host. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing. Often downloaded inadvertently by users clicking on links in fraudulent e-mails, keyloggers pose the most dangerous threat to user privacy.

What are Trojan Horse programs?

Trojan Horse programs (including Remote Access Trojans or RATS) can be hidden in games, videos, music files or programs downloaded from the Internet or e-mail that install a malicious program on the target's computer. Many anti-virus programs will detect and remove Trojan Horse programs, but must be regularly updated to be effective.

Is it ok to send account information via e-mail?

No. Regular e-mail is not secure. Never e-mail personal financial information such as account numbers or your Social Security number. However, you can use the secure message feature within our online banking product.

Is it ok to provide my password when asked?

No. TD Bank will never ask for your password. We have alternative methods of verifying your identity.

How can I prevent becoming a victim of fraud or identity theft?

The number and sophistication of phishing scams sent out to Customers is continuing to increase dramatically. As a general rule you should be very careful about giving out your personal information over the Internet.
  • Be suspicious of any e-mail with urgent requests for personal financial information.
  • Don't click the links in an e-mail, instant message or chat if you suspect the message might not be authentic or you don't recognize the sender or user's address.
  • Avoid filling out forms in e-mail messages for personal financial information.
  • Always ensure that you're using a secure website when submitting credit card or other sensitive information via your web browser.
  • Remember not all scam sites will try to show the "https://" and/or the security lock. Get in the habit of looking at the address line as well.
  • Regularly log on to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate.
  • Ensure that your browser is up-to-date and security patches have been applied.
  • Always report "phishing" or "spoofed" e-mails.
Learn more about how to protect yourself.

How secure is the TD Bank mobile app?

TD Bank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. The same industry standards we have always employed to keep our public website and our Online Banking secure also extend to our Mobile Banking application.

The TD Bank mobile app is safe and secure, protecting the confidentiality of customer account information and the integrity of all transactions.

What can I do to protect my security and privacy?

Just as when you bank online from your computer, there are some simple steps you should take to ensure the security of your information and protect your privacy when you use the TD Bank mobile app.
  • Protect your Online Banking password. It is your key to accessing your accounts. Do not reveal it to anyone.
  • Memorize your Online Banking password. Never store it on your mobile device, or write it on paper that you keep near your phone or carry with you.
  • Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative.
  • Never leave your mobile device unattended while using the TD Bank mobile app.
  • Use your phone's built-in lock function. Virtually all mobile hardware includes a password-protect option. Set it to require a password every time the phone starts up &#; an extra step, but it can help protect you if the phone is lost or stolen.

What happens if I lose my phone?

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Online Banking user name and password. However, to be safe, you should contact TD Bank as soon as possible by calling

To whom should I report internet fraud incidents?

If you are concerned that you have received fraudulent e-mail, disclosed confidential information or have questions about online security, immediately contact Customer Service at or e-mail us at [email protected]

For credit card related transactions, please contact TD Bank Visa® Credit Card at

What is TD Bank doing to help protect me from fraud?

TD Bank is committed to providing you with a secure online experience that protects your confidential information, our website and our apps. Read more about Our Online Security Commitment.

Where can I get more information on internet fraud prevention?

There are many websites that provide helpful information. View the Identity Protection Resources area of our Security Center for a list of resources.

Can I continue to use the Trusteer Rapport security software?

Yes. While the Trusteer Rapport security software from IBM is no longer available for download from our website, you may continue to use it to help protect your computer against malware.

This is recommended, if you use the software in conjunction with another financial institution.

If you only use it with TD, you may uninstall it at any time.

If you keep using the software, you might notice that the Trusteer Rapport icon in your browser appears gray, instead of green, when visiting the TD site.

TD is committed to protecting the integrity and security of your information and financial transactions. Learn more about our Online Security Commitment.


TD Bank serves customers who are deaf or hearing impaired and who use TTY (Text Telephone), Video Relay or other Operator Assisted Relay Services.
All Relay Operator Assisted calls, please call
Customers calling abroad can reach Customer Service by dialing direct at or calling collect with operator assistance at Please note, this number is only intended to work overseas and will not work within the U.S.

© Visa U.S.A. Inc.

Sours: https://www.tdbank.com/bank/security_faqs.html

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 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 $ – 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
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The Cardholder and Electronic Financial Services Terms and Conditions, as amended from time to time (this "Agreement") applies when you use your Card or access and use any Electronic Financial Service (as defined below). If you have a deposit account with TD, this Agreement is in addition to your Financial Services Agreement and Financial Services Terms, and is part of the terms and conditions of your deposit account. This Agreement is also in addition to, and does not replace, any other agreement you may have with us for any other product or service.


1. Definitions:
In this Agreement the following terms have the following meanings:


"Card" means the TD Access Card, TD Canada Trust Credit Card or any other card that is issued to you, your attorney or signed by you or your attorney. "Card" includes the Card number or a combination of numbers and/or letters that we may allow you to select as your username in place of a Card number to access and use an Electronic Financial Service, unless otherwise specified, but does not include Credentials.


"Card Not Present Transaction" means an Internet, mail order or telephone order transaction using the Card without the PIN.


"Credentials" means the combination of numbers and/or letters or other identifying criteria that you will be required to create as your username to access and use an Electronic Financial Service if you have not been issued a TD Access Card.


"CVV2" means the three-digit security code on the back of the Card, where applicable.


"Electronic Financial Services" are services provided by us that allow you to access and conduct transactions on your TD account, by using your Card, PIN, and/or your Credentials in any of the following ways:

  • Transactions conducted at ATMs: Using your Card at a Green Machine® ATM or at an Interac, Visa or PLUS® network ATM;
  • Conducting debit transactions at merchants using a point-of-sale (POS) terminal: Using your Card to complete a debit transaction at a POS terminal such as Interac, Visa, Interlink® and NYCE® network terminals (which includes using the Card for an Interac Flash® payment);
  • Telephone Banking: Conducting transactions using EasyLine telephone banking service, which includes instructions given verbally or through the use of an interactive voice (IVR) system;
  • Our Online Banking Service and Online Brokerage Service: Conducting transactions through our EasyWeb Internet banking service or our WebBroker online brokerage service;
  • Using the Card without the PIN (Card Not Present Transaction): Through an Internet, mail order or telephone transaction using the Card without the PIN;
  • Mobile Banking: By using our mobile banking services;
  • All other electronic financial services: Using any of our other electronic financial services which we may offer to you to use with your Card, PIN and/or your Credentials.

"PIN" means your Personal Identification Number, EasyLine PhoneCode®, EasyWeb password or anything else that you use to access an Electronic Financial Service with or instead of your Card or Credentials, including biometrics or answers to security questions.


"Passcode Lock" means the passcode lock or password that you create to access any device that you use to access an Electronic Financial Service, including without limitation a computer, mobile device or tablet.


"TD", "we" or "us" means The Toronto-Dominion Bank and its affiliates.


2. Use of your Card, PIN & Credentials:


You may not use the Card before the valid from date or after the expiry date shown on it. You may be required to activate your Card before it can be used. We may issue a renewal Card when your current Card expires or replace it with a different card type if your Card is discontinued for any reason.

The Card, PIN and your Credentials are used to identify you and to access an Electronic Financial Service. You authorize us to accept and you agree to be responsible for, any verbal or electronic instructions given by you through an Electronic Financial Service to the same extent as if you had given signed, written instructions to us.

You may use your Card without the PIN for Interac Flash and Card Not Present Transactions at participating merchants. For those transactions, you will have the same rights and responsibilities as if you had used your Card and PIN.

Transactions are posted to and funds debited from your account on the date the transaction is authorized by us. If there is a difference between the original authorized amount and the final settled amount of the transaction, your account may be credited with the original authorized amount and subsequently debited for the final settled amount of the transaction.

You may be required to register for and use the Verified by Visa program in order to access or use the Card for Card Not Present Transactions with participating merchants. Access to or use of the Verified by Visa program is governed by the Verified by Visa Cardholder Terms and Conditions.


3. Use of Electronic Financial Services:


Use of your Card or any Electronic Financial Service means that you agree to the terms of this Agreement. You will use Electronic Financial Services in accordance with the terms in this Agreement, or as we may otherwise communicate to you from time to time. You will not use Electronic Financial Services for illegal, fraudulent or defamatory purposes or take any steps which could undermine the security or integrity of any Electronic Financial Service, or cause harm to or threaten to harm any other user of Electronic Financial Services.


4. Selection of your PIN or creation of your Credentials:


(a) Customer Selected PIN: You may select a PIN for use at ATMs or POS terminals at any TD Canada Trust branch when your Card is issued, or at any other time. PIN length is determined by current market standard. When travelling outside Canada, you may wish to select a 4-digit PIN, as some foreign ATMs do not accept anything other than 4 digits.

You will be issued a temporary PIN for some Electronic Financial Services when the service is set up for you. You will be prompted to change this PIN when you first use the service.

(b) PIN Mailer: A system-generated PIN for ATM or POS terminal use may be provided by us to you. This PIN is generated in a secure environment and printed on a tamper-proof form so that when you open it, you will be the only person to have knowledge of this PIN. If we send you a PIN, you will destroy the document on which it is printed.

(c) Credentials: If you have not been issued a TD Access Card, you will be required to create Credentials and a PIN using our EasyWeb Internet Banking service in order to access and use certain Electronic Financial Services.


5.Security and Confidentiality:


You are responsible for the care and control of your Card, PIN, Credentials, and Passcode Locks. You are also responsible for the care and control of any device that you use to access an Electronic Financial Service including any computer, mobile device or tablet.

You must keep your Card, PIN, Credentials and Passcode Locks confidential and take every reasonable precaution to maintain them safely. This includes:

  • Keeping possession of your Card;
  • Keeping your PIN and Passcode Locks separate from your Card and Credentials. If you must write down your PIN or Passcode Locks, you will not record it on, or in proximity to, your Card or Credentials;
  • Avoiding PIN or Passcode Lock combinations or the creation of Credentials that may be easily determined by others such as your name, birthday, phone number, address, Social Insurance Number, etc.;
  • Not disclosing your PIN, Passcode Locks or Credentials voluntarily to anyone else at any time, including to a family member, friend, financial institution employee or law enforcement agency;
  • Taking all reasonable precautions to ensure that no one finds out your PIN, Passcode Locks or Credentials while keying it in or logging into an Electronic Financial Service.

6. Lost or Stolen Card, PIN or Credentials:


You will notify us immediately if:

  • Your Card is lost or stolen, or you suspect it is lost or stolen, or someone has used it other than yourself.
  • Your PIN, Card or Credentials have become, or you suspect have become, known to someone else.
  • A computer, mobile device, tablet or other device that you use to access an Electronic Financial Service is, or you suspect is, lost or stolen, or has been compromised or misused.
  • You suspect or become aware of any unauthorized activity, fraud, failure, misuse, malfunction, or error related to your Card, PIN, Credentials or an Electronic Financial Service.

You may notify us by visiting the nearest branch or calling EasyLine telephone banking at one of the telephone numbers provided in Section

You will not be liable for any TD account losses resulting from the loss or theft of your Card or misuse of your PIN or Credentials that occur after the time you tell us about the loss, theft or misuse.


7. Your Liability for Transactions:


You are liable for the full amount of all transactions on your account, authorized by you. You authorize transactions by:

a)

Using your Card, PIN or Credentials to access an Electronic Financial Service;

b)

Providing your Card, Card expiry date and/or CVV2 to a merchant or other third party to complete a Card Not Present Transaction;

c)

Using your Card for an Interac Flash transaction at a participating merchant; or

d)

Authorizing anyone else to do a), b) or c) above.

You are also liable if:

  • You make any entry error or worthless or fraudulent deposit through an Electronic Financial Service;
  • You fail to notify us as soon as you suspect or become aware that your Card, PIN or Credentials may have become known to someone else or your Card, PIN or Credentials have been lost, stolen or misused;
  • You voluntarily allow another person to use your computer, mobile device, tablet or other device that you use to access an Electronic Financial Service; or
  • You fail to notify us as soon as you suspect or become aware that your computer, mobile device, tablet or other device that you use to access an Electronic Financial Service has been lost, stolen or misused.

Your liability may exceed your account's credit balance or available funds if:

  • The account is a credit card account or a Line of Credit account, has overdraft protection, or is linked with another account having some or all of these features. In these cases, you will be liable for the amount borrowed, plus interest and/or service charges; or
  • The transaction is completed on the basis of an entry error or a fraudulent or worthless deposit made through an Electronic Financial Service. Your liability will include (but not be limited to) the amount of the fraudulent or worthless deposit.

We will not hold you liable for TD account losses resulting from transactions completed through an Electronic Financial Service, where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation provided you report the unauthorized incident to us promptly, cooperate fully in any subsequent investigation and have not contributed to the occurrence of such transaction.


8. Our Liability:


We are not liable for any losses or damages incurred by you except as set out in Ssection 11 and in this section below.

We are liable for TD account losses resulting from:

  • Unauthorized transactions conducted through an Electronic Financial Service after you have notified us that your Card, PIN or Credentials may have become known to someone else or your Card, PIN or Credentials have been lost, stolen or misused;
  • Transactions completed through Cards that are forged, faulty, expired or cancelled;
  • Fraudulent or negligent conduct in the provision of an Electronic Financial Service by our employees or agents, companies involved in related networking arrangements, or merchants who are linked to the electronic funds transfer system or their employees or agents; or
  • Any failure, error, malfunction or technical problem of our system or equipment in connection with the delivery of an Electronic Financial Service.

9. Accounts and Electronic Financial Services:


You may choose, where applicable, which Electronic Financial Services you wish to access through your Card or your Credentials. You acknowledge that you may designate accounts you wish to link to your Card for access at ATMs, POS terminals, Card Not Present Transactions, Interac Flash, or through the EasyLine telephone banking service IVR system. Card Not Present Transactions will be processed through the account that has been lodged to the 'chequing' field on the Card.

You further acknowledge that you may have access to all of your accounts by speaking to an EasyLine telephone banking specialist, by logging on to EasyWeb Internet banking service, or by visiting a branch.

Where your account has overdraft protection, is a Line of Credit account, a credit card account, or is linked with another account having some or all of these features, you will have access to these features and the balances in those accounts through Electronic Financial Services.


Limits:


We may set limits for your use of Electronic Financial Services and may change these at any time, with or without notice to you. Your daily and weekly ATM, POS, Card Not Present Transactions, your Spend limit and Cumulative spend limit for Interac Flash and deposit hold limits are set out in the document that accompanied the Card issued to you. We reserve the right, at our discretion, to exceed these limits to complete previously authorized transactions. It is your responsibility to check your limits from time to time through your branch or EasyLine.

When your Card is issued, when a replacement Card is provided or at any other time, you may request lower limits where those limits do not correspond to your daily or weekly usage expectations and present a level of unwanted risk for you.


Verified.Me:


The Verified.MeTM service is a third party digital identity service provided by SecureKey Technologies Inc. (or its successors or assigns) (“SecureKey”). For clarity, the Verified.Me service is not an Electronic Financial Service. Using the Verified.Me service, users can share their personal information held by participating organizations, such as Canadian financial institutions, with participating third parties that users want to transact with.

Registering to use the Verified.Me service and creating a Verified.Me account requires users to select a participating financial institution with which they have an active online or mobile banking relationship. Each time a user accesses the Verified.Me service, they will authenticate using their online or mobile banking credentials with the selected financial institution. If you are a TD personal banking customer, then you may select TD and register for and access the Verified.Me service using the Card, Credentials and/or PIN that you use to access EasyWeb or the TD app.

For more information about Verified.Me, please visit https://verified.me/.

You acknowledge that, unless you instruct us to disable the use of your Credentials, Card and PIN for the Verified.Me service, in accordance with the paragraph below, your Card or Credentials and PIN may be used to register for and access the Verified.Me service.

If you wish to disable the use of your Credentials, Card and PIN for the Verified.Me service, please contact EasyLine at or (Collect).

You understand that your failure to properly protect your Card, PIN, Credentials, Passcode Locks or any device that you use to access an Electronic Financial Service, including any computer, mobile device or tablet (including taking all steps described in Sections 5 and 6 of this Agreement) could result in not only TD account losses but also unauthorized access to, or use of, the Verified.Me service causing losses to you at third parties participating in the Verified.Me service. You are liable for any such losses.

As a service provided by SecureKey, your use of the Verified.Me service is governed by the terms of the agreements between you and SecureKey. You agree that you will not bring any claim, suit, allegation or proceeding against us that relates to your use of, or inability to use, the Verified.Me service.

We are only liable for losses to you resulting from unauthorized access to the Verified.Me service if and to the extent caused by fraudulent or negligent conduct by TD.


Changes to Services:


We may add, remove or change any part or feature of any Electronic Financial Service without giving you notice. This Agreement applies to any Electronic Financial Service (or parts or features thereof) added or changed by us.


Resolving Disputes:


We are not responsible for any failure to supply, or lack of suitability or quality of, any goods or services purchased from, or provided by, merchants or others through an Electronic Financial Service. You will resolve the dispute directly with the merchant or others involved.

If you have a problem regarding a transaction completed through an Electronic Financial Service that is posted to your TD account, speak to your branch, call the EasyLine telephone banking service at for English, for French, or for TTY (Text Telephone) to place a trace on the transaction. After you report an unauthorized transaction, we will make every attempt to resolve your issue within 10 business days. If required during investigation, you agree to provide a signed written statement, and if applicable, a signed written affidavit. This may result in a temporary suspension of the 10 day time limit, until the requested documentation is received.

If we later determine that a transaction was authorized by you, then we may reverse any amounts we reimbursed to you and you will be responsible for the transaction (including any interest and service charges if such reversal overdraws your account). If the problem is not resolved to your satisfaction, follow the process outlined in Section 31 "If You Have A Complaint".


Service Charges:


We will charge our current service charges for the Electronic Financial Services used by you. Our current fees are those in effect at the time you conduct a transaction. For our current fees, please see our About our Accounts and Related Services document and our General List of Services and Fees document available in our branches and at tdcanadatrust.com. You will pay the service charges of any other financial institution that are imposed as a result of any Electronic Financial Service that you may use. We may debit your account accessed through the Electronic Financial Service for any applicable service charges. If you don't have enough money in your account to cover the service charges, they may be charged to any other account you have with us, or your account may be overdrawn. Our service charges are subject to change from time to time.


Foreign Currency Transactions:


Purchases in a foreign currency if your TD Access Card has a Visa Debit logo

If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction is posted to your account. The amount withdrawn from your account will include a fee equal to % of the purchase amount after conversion to Canadian dollars.

For example:
For a USD $10 purchase, where the exchange rate set by Visa International is (USD $ costs CAD $):
Amount after conversion = USD $10 x = CAD $
Fee = CAD $ x % = CAD $ (rounded up from $)
Total withdrawal amount = CAD $ + CAD $ = CAD $


Purchases in a foreign currency if your TD Access Card does not have a Visa Debit logo (NYCE)

If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is converted to Canadian dollars at an exchange rate that is calculated by adding to the rate set by Interac Corp. in effect on the date the transaction is posted to your account.

For example:
For a USD $10 purchase, where the exchange rate set by Interac Corp. is (USD $ costs CAD $):
Exchange rate = + =
Total withdrawal amount = USD $10 x = CAD $ (includes the fee in the amount of CAD $).


Foreign currency withdrawals at an ATM outside Canada

If you make a foreign currency withdrawal at an ATM outside Canada with your TD Access Card, the amount of foreign currency funds received at the ATM and any fee charged by the ATM provider is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction is posted to your account. The amount withdrawn from your account will include a fee equal to % of the amount of the foreign currency funds received at the ATM plus any fee charged by the ATM provider after conversion to Canadian dollars.

For example:
For a USD $10 cash withdrawal at an ATM in the United States, where the exchange rate set by Visa International is (USD $ costs CAD $):
Amount received at ATM = USD $10
US ATM provider fee = USD $2
Amount after conversion = USD $12 x = CAD $
Fee = CAD $ x % = CAD $
Total withdrawal amount = CAD $ + CAD $ = CAD $

If this withdrawal example occurs at a non-TD ATM in the United States you will pay us an additional non-TD ATM fee as set out in our About our Accounts and Related Services document. You won't pay us a non-TD ATM fee if you use your TD Access Card to withdraw cash at a TD Bank, America's Most Convenient Bank ATM in the United States.


Electronic Payments:


You are responsible for the accuracy of your electronic payment instructions, including the billing company paid, billing account number and payment amount. Depending on the type of payment, electronic payment instructions once sent may be final and irrevocable, so that funds sent in error may not be possible to retrieve. It is your responsibility to ensure that the biller, billing account number and personal payee information in your bill profile, and your personal information registered on our system, is accurate at all times. We can update your bill profile, including your billing account numbers and billers' names if informed of a change by the biller or if deemed necessary by us.

It is your responsibility to ensure that sufficient funds are available in your account (or through overdraft protection linked to your account) as at the effective time of your payment - payment instructions will not be processed without sufficient funds. Postdated payments set up by you may not be processed for a number of reasons, including insufficient funds, inconsistency between the billing account number on your postdated payment and the billing account number registered on your bill profile at the time of processing the payment, and a change in status of your Card, the biller, or your bill profile.

You recognize that different billers have different payment requirements and that you are responsible to know what your biller's payment requirements are. We may reject, cancel or return a payment to you that does not meet these requirements. In addition, you are responsible to ensure that your payments are requested so that there is sufficient time prior to their due date for them to be processed by us and by the biller. Payment instructions made by you after our daily cut-off time or on a non-business day will require extra time to reach the biller.

We are not responsible for any penalties, fees, interest, costs or damages imposed upon or suffered by you with respect to any payments or for our inability to retrieve electronic payments from third party accounts with us or from other financial institutions.


Interac Flash:


(a) Opting In / Opting Out

When we issue your Card, it is enabled with the Interac Flash feature. The account you have preselected to be included in the "chequing" field is the account that will be debited for your Interac Flash transactions.

You can have Interac Flash enabled or disabled on your Card by contacting any TD Canada Trust branch or calling EasyLine telephone banking at one of the telephone numbers provided in Section

(b) Interac Flash Spend limit and Cumulative spend limit

Your Interac Flash contactless Spend limit is the maximum amount allowed for a single purchase.

Your Interac Flash contactless Cumulative spend limit is the maximum amount allowed for multiple consecutive purchases.

When a purchase exceeds either of these limits, you will be prompted to insert your Card and enter your PIN to complete a transaction. This will reset your Spend limit and Cumulative spend limit.

Your Interac Flash contactless Spend limit is part of your overall Point of Sale limit set out in the EasyAccess Customer Confirmation that accompanied the Card issued to you.


Interac e-Transfer:


To send money via Interac e-Transfer, you must provide the following to allow for the authentication of the recipient of the transfer: (i) the recipient's email address or mobile number and (ii) a security question and answer ("Security Question"), except if the recipient has activated the Autodeposit feature. If the recipient has enabled the Autodeposit feature for the email address or mobile number you use to send the recipient the funds, then the money you send via Interac e-Transfer is automatically deposited into the recipient's account and the recipient will not have to answer a Security Question.

To receive money via Interac e-Transfer, you must correctly answer a Security Question, except if you have activated the Autodeposit feature. If you have activated the Autodeposit feature for the email address used by the sender to send you funds, or by other means that may become available such as mobile number, then the money you receive via Interac e-Transfer is automatically deposited into your account and you will not have to answer a Security Question.

To request money via Interac e-Transfer, you must provide the email address or mobile number of the recipient of your request, and the eligible TD account you want us to use to deposit the money you receive, if your recipient accepts your request.

Each time you provide a Security Question, you agree to create an effective Security Question that is known only to you and the recipient. You further agree not to use email address, mobile number or any optional message that may accompany the transfer to send the recipient the answer to the Security Question. As a recipient, you agree to keep the answer to the Security Question confidential at all times and to use it only as required to receive the transfer.

We will be entitled to pay the transfer to anyone who claims it as the recipient and correctly answers the Security Question, if required, whether or not that person is the person intended by you to receive the transfer.

Before using Interac e-Transfer, you agree that, as a sender or requestor of money via Interac e-Transfer, it is your responsibility to provide a complete and accurate email address and/or mobile number of the recipient. You further agree not to provide the recipient's email address or mobile number (and not to initiate a send or request money) through Interac e-Transfer unless the recipient has consented to you to give his or her email address or mobile number to TD, other participating financial institutions, Interac Corp., and their respective suppliers for collection, use, disclosure and storage of the information for the purpose of the service.

You agree that it is your responsibility to provide complete and accurate information about the recipient. We will not be liable for losses incurred by you as a sender, requestor or recipient of money via Interac e-Transfer as a result of errors regarding email address or mobile number of your intended recipient, misuse, improper communication or disclosure of the answer to the Security Question, or errors on your part while using the service.

You are responsible for charges, if any, or data rates that your service provider may apply for transmitting and receiving data (including but not limited to data roaming charges).


Transaction Records Activity:


You will be offered a transaction record at an ATM, POS or other payment terminal for your convenience to enable you to check your account entries. You will be provided with an electronic verification number for other Electronic Financial Services.

Our transaction records will be conclusive proof of use of your Card or an Electronic Financial Service. Even though you may be provided with a transaction record, electronic verification number or interim statement, our verification and acceptance of all transactions will be considered correct and binding unless there is an obvious error.

Transactions completed through an Electronic Financial Service may be credited or debited to your account on a date determined by us. This date may be different than the date on which you used the Electronic Financial Service.


Electronic Document Presentment:


We are not responsible for the failure of any company to provide any document or bill electronically to you.


Debit Card Code of Practice:


We endorse the Canadian Code of Practice for Consumer Debit Card Services and commit to maintain or exceed the level of customer protection it establishes.


Your Right to Cancel Any Electronic Financial Service:


Unless otherwise provided in this Agreement, any other agreement applicable to the Electronic Financial Service or agreed to by us, you may cancel any Electronic Financial Service by notifying your branch or contacting the EasyLine telephone banking service at one of the numbers provided in Section In all cases, you still must fulfill all your obligations under this Agreement or other applicable agreement.


Our Right to Terminate This Agreement or Cancel your Card, PIN or Credentials:


We may cancel your Card, PIN or Credentials, terminate this Agreement, or suspend or refuse to provide any Electronic Financial Service without notice to you. In all cases, you still must fulfill all of your obligations under this Agreement. You are not relieved of your obligations until all amounts owed to us, including interest, service charges and costs, have been paid in full. If this Agreement is terminated, you will, at our request, return all Cards to us.


Changing This Agreement and Our Service Charges:


We may add, remove or change any section of this Agreement or replace this Agreement with another agreement at any time. If we do so, we will provide you with written notice (paper or electronic) at least 30 days before the change comes into effect. The notice will be clear and legible and will:

  • set out the new clause or the amended clause and the clause as it read formerly,
  • provide the date when the change comes into effect, and
  • provide that, if you do not wish to accept the change you may cancel the Agreement without cost or penalty.
If you choose to cancel, you must notify us no later than 30 days after the change comes into effect by calling our customer help desk, or by visiting, or sending notice to, any branch. You will be required to pay us any fees, charges or interest owing at the time you cancel the Agreement.

Changes may relate to any aspect of the Agreement, including, but not limited to:
  • definitions
  • consent to the collection, use and/or disclosure of your information
  • selection of your PIN or creation of your Credentials
  • use of Electronic Financial Services
  • Interac services
  • Verified.Me
  • security and confidentiality
  • your liability for transactions
  • our liability
  • lost or stolen Card, PIN or Credentials
  • transaction records activity
  • service charges
  • foreign currency transactions
  • limits relating to the use of Electronic Financial Services
  • electronic payment instructions
  • changing the Agreement, the Electronic Financial Services or our service charges
  • termination of the Agreement
  • resolution of disputes and complaints escalation

Transfer of Rights:


We may transfer, sell or otherwise assign all of our rights under this Agreement. If we do so, we may disclose information about you and your Card to anyone to whom we assign our rights.


Headings:


The headings to each section of this Agreement are added for convenience and do not change the meaning of any provision of this Agreement.


Severability:


If it is found by a court that any portion of this Agreement is invalid or unenforceable, the remainder of the Agreement will not be affected.


Governing Law:


This Agreement will be governed by and interpreted in accordance with the laws of the province or territory in Canada where you reside or most recently resided, and the laws of Canada, as applicable. If you have not resided in Canada, this Agreement will be governed by and interpreted in accordance with the laws of the Province of Ontario and Canada, as applicable.


For Quebec Only:


It is the express wish of the parties that this Agreement and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que cette convention et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais.


Consent to the Collection, Use and/or Disclosure of Your Information:


The word "Information" means personal, financial and other details about you that you provide to us and we obtain from others outside our organization, including through the products and services you use. You agree that, at the time you request to begin a relationship with us and during the course of our relationship, we may share your Information with our world-wide affiliates, and collect, use and disclose your Information as described in the Privacy Agreement on td.com, including for, but not limited to, the purposes of: identifying you, providing you with ongoing service, helping us serve you better, protecting us both from fraud and error, complying with legal and regulatory requirements, and marketing products and services to you. We may communicate with you for any of these purposes by telephone, fax, text messaging, or other electronic means, and automatic dialing-announcing device, at the numbers you have provided us, or by ATM, internet, mail, email and other methods. To understand how you can withdraw your consent, refer to the 'Marketing Purposes' section of the Privacy Agreement or contact us at


If You Have a Complaint:


Tell us about your complaint in the way that is most convenient for you. You may contact a Customer Service Representative at your branch or business unit that handles your account, call us toll free at , contact us by mail at Customer Feedback, TD Centre, P.O. Box , Toronto, Ontario, M5K 1H6 or by e-mail at [email protected]. As a next step, if your concern remains unresolved, a manager will offer to elevate your problem to a representative of our senior management. Alternatively, if you prefer to elevate the problem yourself, you may contact a manager, or one of our telephone banking specialists, at the toll-free number , and they will assist you. If your concern remains unresolved, you may contact the TD Ombudsman, by mail at P.O. Box 1, TD Centre, Toronto, Ontario, M5K 1A2, or toll free at

External Ombudsman

If your concern still remains unresolved, you may then contact the ADR Chambers Banking Ombuds Office (ADRBO) by mail at P.O. Box , 31 Adelaide Street East, Toronto, Ontario, M5C 2K4 or telephone: and at [email protected].

For a more detailed overview of our complaint-handling procedures, please see our "Do you have a complaint" brochure available at any branch or on our website at td.com.

Financial Consumer Agency of Canada

If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the FCAC in writing at: 6th Floor, Enterprise Building, Laurier Ave. West, Ottawa, Ontario, K1R 1B9. The FCAC can also be contacted by telephone at (en français ) or through its website at fcac-acfc.gc.ca. Please note the FCAC does not become involved in matters of redress or compensation - all such requests must follow the process set out above.


Sours: https://www.tdcanadatrust.com/customer-service/legal/disclosure.jsp?id=

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, 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 $ If you do not have a valid TD Bank checking account, the monthly maintenance fee is $ 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:$ minimum
$5, maximum
Reload amounts:No minimum reload
$5, maximum per day
$10, maximum per 30 days
Maximum card balance:$10,
Purchase amount limit:Up to $5, per transaction
ATM withdrawal and/or cash access at point of sale:$ per day
$3, 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

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 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 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 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,

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 $ 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 $ 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

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 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 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, 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

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

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 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 $ 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 $ 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 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,/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 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 or call us from outside the U.S. and Canada at

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

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

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 am 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
  • 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

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 or

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 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

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

Card debit lost td

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/
Unauthorized Charges on your Debit Card? Here's what to do.

Our online and mobile security commitment

TD Bank is committed to providing you with a secure online experience that protects our public website and Online Banking, our mobile apps and your confidential information. Our employees are trained on our security policies and procedures and work diligently to protect the integrity of your information.

We use industry-accepted security practices, including firewalls and encryption, to safeguard the security of your personal financial information. These controls allow us to properly authenticate your identity when you access our online and mobile services and help to protect your information as it travels over the internet between your device and TD Bank. We also constantly monitor and assess the security of our website and mobile apps.

With everything we're doing to protect your information, keep in mind that it is also important for you to take precautions to safeguard personal information on your end.

Find out more about what we do to protect your information

Report a vulnerability

Learn how to report a potential security vulnerability and review our policy for responsible disclosure.
Find out more

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  • What We Do

  • What You Can Do

  • Protect Your Business

What we do

The security of your personal information and our website is our top priority – however you bank. And our concern for the safety of your financial and personal information goes beyond our banking relationship with you. We'll work with you to help prevent fraud, phishing, SMShing and vishing – and provide you with the latest tools and information to help safeguard your mobile, desktop and online experience.

TD VoicePrint, single-use security codes and security alerts

Speech recognition technology – set it up once, and use it every time.
TD VoicePrint is a voice-recognition technology that allows us to use your voiceprint – as unique to you as your fingerprint – to validate your identity whenever you speak on the phone with one of our Live Customer Service representatives.

It's really simple to enroll – just talk.

  • Call Live Customer Service
  • Request to enroll in TD VoicePrint
  • The customer service representative will get you set up

The software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.

Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.

It's free.
TD VoicePrint is such an important security feature that we want everyone who is interested to enroll – so we've made it free. Call 24/7 Customer Service at to enroll.

Single-use security codes

A single-use security code is a unique number that we generate and send to your phone by SMS text or voice message whenever we need to verify your identity. For example, you may be prompted to provide a security code when you log in from an unfamiliar device or location.

Because single-use security codes change every time we need you to verify your identity, they prevent fraud efforts, and provide enhanced security for your online accounts.

Each time we prompt you, you'll be able to tell us which phone to send your code to, and if you want it sent by SMS text or voice message. Once you receive your security code, you simply enter it onto the screen and continue banking. The security code can only be used once. This 2-step verification provides an added layer of security to help keep your account safe from hackers or unauthorized users who may have your username and/or password.

Please note that standard wireless carrier message and data rates may apply for SMS text messages.

Security alerts

Data Incidents

TD Bank has fraud detection processes in place to help protect our customers from data incidents – including data breaches where hackers infiltrate secure networks to steal e-mail addresses, phone numbers, Social Security numbers or other sensitive personal and/or business information. In the event of such an occurrence, we may contact you to verify account activity – but we will never ask you for sensitive information such as your Online Banking password or card PIN. Our consumer debit and credit cards also have Visa's Zero Liability Policy, so in the unlikely event that fraudulent charges are made with your card or account information you won't be held responsible.1

Security Bugs

TD has put in place defenses to protect against potential threats so customers can conduct their banking securely and without their data being at risk. TD also has multilayered authentication safeguards in place. As an added measure of protection, we recommend changing passwords regularly.

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

What you can do

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. Through regular account review to spot unusual activity, heightened awareness of current malware and fraud threats, and the use of reputable security software, you can significantly reduce your fraud and identity theft risks.

Online and offline security tips

These simple steps can go a long way toward preventing online fraud

Your security and fintech apps

Learn how to more safely use fintech apps that can help you manage your money, invest, borrow and send money

Reporting identity theft

Find the resources you need to report fraud – and avoid it

Scams: phishing, vishing and SMShing

Fraudsters use email, text and phone to steal sensitive information. Learn to avoid their tricks

Scams: malware and P2P sharing

Avoid efforts to infect your computer – and to steal sensitive banking information

Scams: lotteries, fees and shopping fraud

Learn how to recognize and avoid scams that look enticing – but rarely are

How to report a vulnerability

Learn how to report a potential security vulnerability and review our policy for responsible disclosure

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

Protect your business

The security of sensitive information is critical to the success and sustainability of your business. TD Bank uses state-of-the-art security protocols to protect your business data, and there are a number of steps you can take to further prevent data theft and fraud.

Secure your business banking

Use these simple practices to stop business fraud before it happens

TD Bank online security features

Learn what TD Bank does to protect your business banking from fraud

What to do if you suspect online fraud

Find contact information to report online fraud – and resources to prevent it

Business security alerts

Check here to learn about active security threats that could affect your business

Get security help

Security quiz

Increase your online security IQ and learn the right steps to prevent fraud and identity theft

Identity protection interactive guide

Learn step by step what you can do to protect your identity in this helpful interactive guide

Privacy statement

Explore the steps we have taken to protect your personal information

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

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Sours: https://www.td.com/us/en/personal-banking/security-center/

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