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TD Bank checking: overdraft fee & grace period

Checked against TD Bank’s own pages on October 26, 2026. 2 facts verified, 3 not confirmed.

Forgiveness score 2 of 11breathing room
Overdraft fee
$35 overdraft fee, max 3 per day per account.
Source: td.com/us/en/personal-banking/overdraft-services
Grace period / breathing room
No fee if overdrawn by $50 or less. If overdrawn by more, a Grace Period until 11 PM ET the next business day to bring the balance back to $0 and get the overdraft fee(s) refunded.
Source: td.com/content/dam/tdb/document/pdf/personal-banking/overdraft-grace-p
Can you turn overdraft off?
Not confirmed — we couldn’t verify this on an official page yet
Card lock / blocking
Not confirmed — we couldn’t verify this on an official page yet
ADHD-friendly features
Not confirmed — we couldn’t verify this on an official page yet

Not applicable here: Late fee, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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