By enrolling in TD Debit Card Advance, you are permitting us to authorize and check, in-person withdrawal, or other electronic means (up to a maximum of 5. A TD Bank overdraft fee costs $35 per transaction and can pile up quickly when the bank TD limits the number of fees it charges to 5x day. A debit card advance covers one-time debit card and ATM transactions when. The bank presented its optional Debit Card Advance program as a free service or benefit that came with new consumer checking accounts.

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