TD Alerts

We send TD Threshold Alerts to all account holders for the following personal products:

• Deposit accounts (chequing, savings and U.S. dollar)
• Chequing accounts with Overdraft Protection service
• Credit cards (not including Authorized Users)
• Lines of credit

We won't send TD Threshold Alerts to business accounts or business lines of credit.

We will send you a TD Threshold Alert when the balance in your deposit account, or the available credit on your credit card or on your line of credit falls below the alert threshold amount. If you have Overdraft Protection service on your deposit account, we will also send you these alerts when your outstanding overdraft balance is within your alert threshold amount of your Overdraft Limit. Please keep in mind the following:

• If you continue to stay below your alert threshold amount, we won't send additional alerts. However, if at a later time you go above your alert threshold amount and then fall back below it, we will send a new TD Alert
• If you update your alert threshold amount and the change results in the balance of your deposit account or the available credit on your credit card or on your line of credit falling below the alert threshold amount, we will not send you a TD Threshold Alert
• In some cases, you may receive two alerts for the same transaction. If you wish to confirm the transaction, log in to EasyWeb or the TD app, or call us for further assistance

A hold or a freeze on the account balance and a hold or suspension of the line of credit will impact your available balance in your account or your available credit, in the case of a line of credit. As a result, if the available balance or available credit goes below your alert threshold amount, you will receive an alert.

There are different ways you can opt out of TD Threshold Alerts. We recommend using EasyWeb to opt out as this allows you to manage all of your alerts at the same time for all the products you have with TD.

In EasyWeb:

• Log in to EasyWeb
• Go to your Profile & Settings and select TD Alerts and Notifications
• Select the Manage tab where you can review your TD Alert notification settings and unselect both text and email message options for each of your deposit or credit accounts

From text and email alerts:

• You can opt out by text/email only after you receive an alert. Reply STOP to a text alert and select 'Opt out' at the bottom of an email alert
• If you have replied STOP to a TD Threshold Alert, we'll stop sending you text alerts to your mobile phone for that specific product type only. For example, if you have two or more TD personal credit cards you will no longer receive additional text alerts for all your credit card products. This applies if you select 'Opt out' for email as well
• Opting out by text/email will not impact other products you have with us, and we will continue to send TD Threshold Alerts for those products (chequing and savings accounts, lines of credit, etc.)
• Opting out applies only to the mobile number or email address where you received the alert. If you change your contact details with us in the future, we will start sending alerts to your new mobile number/email as they will not be on our 'opt out' list

TD Threshold Alerts are not encrypted or password protected, and never include a link to EasyWeb. We only include a minimal amount of personal and account information in these alerts.

TD Threshold Alerts for credit card accounts:

• Alerts sent by text message will only display the last 2 digits of your credit card account number (e.g. XX34)
• Alerts sent by email will only display your name (first, middle and last) and the last 4 digits of your credit card account number (e.g. 1234)

TD Threshold Alerts for deposit accounts, Overdraft Protection service on deposit accounts, and lines of credit:

• Alerts sent by text message will only display the last 4 digits of your credit or deposit account number (e.g. XXX1234)
• Alerts sent by email will only display your name, branch number and the last 4 digits of your credit or deposit account number (e.g. 1234-XXX1234)

For security reasons, certain information including account number will be masked. TD will not ask you to provide personal information or login information, such as username, passwords, PINs, security questions and answers, or account numbers, through unsolicited texts or emails. TD will not share sensitive data through regular texts or emails nor will TD request this type of information be sent from you through regular texts or emails. If you suspect an email to be fraudulent, please forward a copy to us at phishing@td.com and then delete the email. For information on email fraud and text fraud, visit our page on Recognizing Fraud.

Abbreviations and short forms used in alerts sent by text message:

• Acct – account
• Amt – amount
• Avail – available
• Bal – balance
• Msg – message
• $ – money
• # – number
• Req'd – required
• Std – standard
• Txt – text
• Ur – your

Changing your TD Threshold Alert notification settings:
After you log in to EasyWeb: Select Profile & Settings from the left navigation, then select TD Alerts and Notifications and then select the Manage tab where you can review and change your alert notification settings. You can set TD Threshold Alerts for each personal credit card, line of credit, deposit account, and Overdraft Protection service on your deposit account.

Changing your alert threshold amount:
After you log in to EasyWeb: Select your account, then select the Manage tab and go to the Notifications section. Select the Edit link for the threshold alert amount you want to change and update the alert threshold amount.

You can set the alert threshold amount for each personal credit card, line of credit, deposit account, and Overdraft Protection service on your deposit account. If you don't set an alert threshold amount, it is set at $100.

You cannot set or change TD Alert notification settings and TD Threshold Alert amounts in the TD app. You can only do this within EasyWeb at this time.

You can change the mobile number and email address we have on file for you any time.

We send TD Threshold Alerts by text, email or both depending on your notification settings. If we don't have your Canadian mobile number or email address, we won't send you these alerts, but you remain opted in.

TD Alerts by text may not be available for VOIP Phone numbers. Please ensure you have a valid email address on file if you wish to have TD Alerts sent to you.

Changing your mobile number in EasyWeb or the TD app:

• After you log in to EasyWeb: Select Profile & Settings from the left navigation, then My Profile and then Edit Phone to update your Mobile number
• After you log in to the TD app: Select Settings from the main menu, select the View profile link to update your Mobile number

Changing your email address in EasyWeb or the TD app:

• After you log in to EasyWeb: Select Profile & Settings from the left navigation, then My Profile and then Edit Email to update your Email address
• After you log in to the TD app: Select Settings from the main menu, select the View profile link to update your Email address

You can also visit a TD Branch to change the mobile number or email address we have on file for you.

No, you cannot set or change TD Threshold Alert notification settings and TD Threshold Alert amounts in the TD app. You can only do this within EasyWeb. You can however update your contact information in the TD app.

Managing your notification settings:
You can change how we send you TD Threshold Alerts any time in TD Alerts and Notifications within EasyWeb.

Setting and changing your alert threshold amount:
You can set and change alert threshold amounts in TD Alerts and Notifications within EasyWeb for each personal credit card, line of credit, deposit account, and Overdraft Protection service on your deposit account.

Although you may see an option to update notifications in the TD app for investing alerts or statements and documents, this update option is not available for TD Threshold Alerts in the TD app.

Yes, we may send a TD Threshold Alert and a TD Credit Card Overlimit Notification for the same transaction to Primary Cardholders who are Quebec residents. Refer to the TD Credit Card Overlimit Notifications tab for more information on this type of alert.

By using your own personal mobile number and/or email address, you help ensure that the TD Threshold Alerts we send to you can only be accessed and seen by you.

If you would like to verify or update the contact information we have on file for you, you can do that any time in EasyWeb or the TD app.

We do not charge for sending TD Threshold Alerts, but standard wireless carrier message and data rates may apply. Please check your wireless carrier plan for your rate information.

You can opt out of these alerts at any time.