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¹Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee. For example, preauthorized transactions and other transactions may post to your Account even when the balance in your Account is not sufficient to pay the transaction.

免除²TD Complete Checking每月維護費，只需滿足以下任一條件：在一個賬戶結單週期內的直接存款達$500或以上；或者維持$500的每日最低餘額；或在選擇相關的所有個人存款賬戶中持有$5,000的每日最低合併餘額；或主要賬戶所有持有者的年齡介乎17至23歲之間。

³TD Complete Checking monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met.

⁴TD Complete non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

⁵Non-TD ATMs: For TD Beyond Checking, TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

可循以下任一方式免除⁶TD Beyond Checking每月維護費：於一個賬單週期內的直接存款達到$5,000或以上；或維持$2,500的每日最低餘額；或選擇相關的所有存款賬戶、所有未償還的房屋資產淨值貸款和房屋資產淨值信用貸款賬戶及／或處於良好狀態的房屋貸款的每日最低合併餘額達到$25,000（不包括信用卡及個人貸款）。

⁷TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking account. 終止TD Beyond支票賬戶後，費用免除政策就會失效。

⁸Overdraft Payback automatically reverses the first two overdraft fees incurred within a calendar year (January–December); max $70 per calendar year. 無論寬限期有多長，始終會優先適用透支償還服務。使用了透支償還服務後，如情況適用，賬戶會接受透支寬限期審查。

⁹If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. For the TD Essential Banking account, the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday, the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

¹⁰Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply.

For more information, read the Terms and Conditions.

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

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

¹¹TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. 須遵守其他限制條件。 Please refer to the Mobile Deposit Addendum.

¹²For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be reflected in your account's available balance. Whether we make funds available early depends on (1) when we receive the payor's payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.

If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.