Fee refund · US
How to get a TD Bank fee refunded
The short answer
TD Bank’s TD Complete Checking lists a $35 overdraft fee (at most 3 per business day) with no fee if you are overdrawn by $50 or less, and a Grace Period that refunds the fee if you cover the overdraft by 11 p.m. ET the next business day. Complete Checking has a $15 monthly maintenance fee with several ways to waive it.
To ask for a fee back, contact TD Bank soon after it posts, name the fee, its date and amount, and ask for a one-time courtesy refund. TD Bank decides — it isn’t guaranteed.
By Meet PandyaChecked Source: TD Complete Checking Account Guide and TD Overdraft Relief
TD Bank’s common fees
From TD Bank’s official fee schedule, in US dollars. Fees below are for TD Complete Checking, TD Essential Banking.
| Fee | Amount | How to avoid it |
|---|---|---|
| Overdraft fee | $35.00 per item TD pays; maximum of 3 overdraft fees per business day per account[1][2][3] | No overdraft fee if your available balance is overdrawn by $50 or less. If you are overdrawn by more than $50 and bring your available balance back to at least $0 by 11 p.m. ET the next business day (Grace Period), TD refunds the overdraft fees for those items. TD Essential Banking has no overdraft fees. |
| Monthly maintenance fee - TD Complete Checking | $15.00[1][4] | No fee when you have $500 or more in direct deposits within a statement cycle; or maintain a minimum daily balance of $500; or have a $5,000 minimum daily combined balance across the deposit accounts you choose to link; or the primary account holder is 17 through 23 years old. |
| Monthly maintenance fee - TD Essential Banking | $4.95[5] | The fee is waived if the primary account holder is age 13 through 17. |
| Non-TD ATM fee | $3.00 for each withdrawal and transfer at a non-TD ATM; the ATM owner may also charge a surcharge, including for balance inquiries[1] | Use a TD ATM (no fee in the U.S. and Canada). The non-TD ATM fee is waived on TD Complete Checking when the primary account holder is aged 17 through 23. |
| International transaction fee (ATM and debit card) | 3% of the U.S. dollar amount of the transaction[1] | — |
TD Bank’s overdraft rules
- TD says it will not charge an overdraft fee if your checking account is overdrawn by $50 or less (its overdraft threshold), and will not charge more than 3 overdraft fees per account per business day.
- Grace Period: if you overdraw by more than $50 and bring your available balance back to at least $0 as of 11 p.m. ET on the next business day, TD refunds the overdraft fees for those items. TD says there is no limit to how many Grace Period refunds you can receive, and the balance you need includes pending debit transactions and scheduled payments.
- You are not charged overdraft fees on ATM or one-time debit card transactions unless you enroll in TD Debit Card Advance. If a debit card transaction was authorized with a positive available balance, it is not subject to an overdraft fee.
- Savings Overdraft Protection (linking a savings account) has no transfer fee. TD does not charge an additional fee if your account is overdrawn for multiple consecutive days.
How to ask for a courtesy refund
General tips — not bank policy. What works is being specific, honest and brief.
- Ask soon after the fee posts, and name it exactly: the fee, its date and the amount.
- Say briefly what happened — a deposit that hadn’t cleared yet, a timing mix-up, a first slip in years. Keep it honest.
- Ask for a one-time courtesy refund of that fee. If you’ve banked there a long time or rarely pay fees, it’s fair to mention it.
- Be polite and brief. If the answer is no, ask whether there’s a way to avoid the fee next time — low-balance alerts, overdraft settings, or a different account.
- Banks decide case by case. A refund once doesn’t mean you’ll get one again, and nothing guarantees one.
What TD Bank says: TD Bank’s Overdraft Grace Period refunds overdraft fees automatically: if you overdraw by more than $50 and bring your available balance back to at least $0 as of 11 p.m. ET on the next business day, TD will refund the overdraft fees assessed for those items. TD says there is no limit to the number of Grace Period refunds, and the year-to-date total is shown on your statement.
How to contact TD Bank
As listed on TD Bank’s own website.
- Phone (customer support): 1-888-751-9000, available 24/7.[6]
- Phone (credit cards): 1-888-561-8861; TD’s credit card support hotline is always available.[6]
- App and virtual assistant: TD’s contact page lists TD ASAP in the TD Bank app and an ‘Ask our Virtual Assistant’ option.[6]
- Appointment: Book an appointment to meet with a banking specialist, in a store or by phone.[6]
Wally, your AI money agent
Let Wally ask for you
Wally spots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed.
TD Bank decides case by case.
Read-only — Wally never moves your money.
TD Bank fee FAQ
How much is TD Bank’s overdraft fee?
TD’s overdraft fee is $35.00 per item it pays, with a maximum of 3 overdraft fees per business day per account. It is not charged if your available balance is overdrawn by $50 or less.
Does TD Bank refund overdraft fees?
Under its Overdraft Grace Period, yes. If you overdraw by more than $50 and bring your available balance back to at least $0 as of 11 p.m. ET on the next business day, TD refunds the overdraft fees for those items. There is no limit to the number of Grace Period refunds.
Does TD Bank charge overdraft fees on debit card purchases?
Not unless you enroll in TD Debit Card Advance. TD’s agreement says you will not be charged overdraft fees for ATM or one-time debit card transactions unless you have enrolled; with Debit Card Advance the fee is $35 per overdraft, and no fee applies if you are overdrawn by $50 or less.
How do I avoid the TD Complete Checking monthly maintenance fee?
The fee is $15.00. It is waived with $500 or more in direct deposits within a statement cycle, a minimum daily balance of $500, a $5,000 minimum daily combined balance across the deposit accounts you link, or if the primary account holder is 17 through 23 years old.
Sources
- 1.TD Complete Checking Account Guide (PDF, form 42715-CK, dated 07/26) · October 14, 2026
- 2.TD Overdraft Relief and overdraft services · October 14, 2026
- 3.TD Personal Deposit Account Agreement (PDF) · October 14, 2026
- 4.TD Complete Checking · October 14, 2026
- 5.TD Essential Banking · October 14, 2026
- 6.TD Bank Contact Us · October 14, 2026
Other banks
- Bank of America fee refundUSBank of America’s schedule lists a $10 Overdraft Item Fee (no more than 2 overdraft items per day), but no fee on everyday non-recurring debit card purchases or ATM transactions. Advantage Plus Banking has a $12 monthly maintenance fee with several ways to avoid it.See the fees
- Capital One fee refundUSCapital One says it has eliminated all overdraft fees for its consumer banking customers, and 360 Checking has no monthly fee and no minimum balance. The fees its 360 Checking disclosure does list are small: $10 or $20 for a cashier’s check and $30 for an outgoing domestic wire.See the fees
- Chase fee refundUSChase’s fee schedule lists a $34 overdraft fee per transaction (up to 3 per business day), but Chase Overdraft Assist means no overdraft fee if you end the business day overdrawn by $50 or less. Chase Total Checking has a $15 monthly service fee that you can avoid in several ways.See the fees
- Citi fee refundUSCiti says it does not charge Overdraft, Returned Item, or Overdraft Protection Transfer fees. The fees that matter are the Monthly Service Fee ($5 on Access Checking, $15 on Regular Checking, waived with $250+ in qualifying direct deposits), the $2.50 Non-Citi ATM fee and the 3% foreign exchange fee on debit card use abroad.See the fees
- PNC fee refundUSPNC Virtual Wallet’s Spend account charges a $36 overdraft item fee (at most 1 per day) and no returned item (NSF) fee. Low Cash Mode gives at least 24 hours of Extra Time to bring the balance to $0 before overdraft fees are charged, and overdraft fees are automatically refunded if you are overdrawn by $5.00 or less at day end.See the fees
- U.S. Bank fee refundUSU.S. Bank’s pricing guide lists a $36 Overdraft Paid Fee per item (up to three per day), with no fee if you end the business day overdrawn by $50.00 or less and a program, Overdraft Fee Forgiven, that waives it if you cover the overdraft by 11 p.m. ET. Bank Smartly Checking has a $12 monthly maintenance fee with several ways to waive it.See the fees