TD Bank: fee reversal

Collect

• statement showing the fee
• available balance by date
• deposit time

Steps

1. Check whether the overdraft was $50 or less, or whether you brought the balance to at least $0 by 11 PM ET the next business day.

2. Call and ask for a refund of any fee charged against those rules, or a courtesy refund.

   PhoneGeneral assistance; lost or stolen TD Bank ATM or Visa debit card +1-888-751-9000 Account holder only

3. If refused, use the feedback form, then complain to the CFPB.

   FormShare your feedback

More contacts for this issue

Facts you can cite

• Fee

  TD's overdraft fee is $35, limited to 3 overdraft fees per day per account; a fee applies only to transactions that overdraw the available balance by more than $50.

  Source: td.com, verified 2026-10-12

• Policy

  The Grace Period gives you until 11 PM ET the next business day to bring the available balance to at least $0; if you do, the overdraft fee is refunded.

  Source: td.com, verified 2026-10-12

• Policy

  Overdraft services do not apply to TD Essential Banking accounts. Savings accounts can be charged overdraft fees, and the $50 threshold and Grace Period do not apply to them.

  Source: td.com, verified 2026-10-12

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneGeneral assistance; lost or stolen TD Bank ATM or Visa debit card +1-888-751-9000 Account holder only

2. Written complaint

   MailTD credit card billing errors (Your Billing Rights address) TD Bank, P.O. Box 873, Mt. Laurel, NJ 08054-0873

   For TD credit card billing errors write within 60 days. TD publishes no complaint mailing address; the feedback form is the other written channel.

3. Executive office

   MailTD Bank corporate office TD Bank Corporate Office, 4140 Church Road, Mount Laurel, N.J., 08054

4. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

5. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

Watch out

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