The vendor lives more than six hours away, in an Indigenous community north of Parry Sound, and could not make the trip anytime soon, said Hancharyk. TD Bank told Hancharyk if she wanted her accounts unfrozen, the vendor, who also banks with TD, would have to come in to one of the bank's branches in Toronto to prove their identity, she said. The $50 was the fee from a vendor to rent a booth at the Indigenous crafts market that Hancharyk and colleagues are planning for the fall, to be held at the Cecil Community Centre on Sept.

'They were saying the e-transfer I had received was marked as fraudulent,' she said. 'I was really embarrassed.' Vendor told to travel from remote community: woman The next morning on July 17, when Hancharyk tried to pay for a coffee, her card was declined, and she received a notification that both her chequing and savings accounts were suspended, she said. On July 16, another small business owner sent her a $50 e-transfer to her personal account. Hancharyk is a small business owner selling earrings that reflect her Indigenous heritage, and says she is regularly paid by e-transfer. 'But TD refused to tell me why they can't fix it.' 'I was crying on the phone with them,' Hancharyk said. Now, left with no answers, she's worried it could happen again. Siera Hancharyk told CBC Toronto what she sees as the bank's lack of transparency is concerning, saying it would not explain why the transfer was flagged, was slow to resolve the issue and was inflexible on how the issue could be resolved.

The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.A Toronto woman says TD Bank locked her out of her accounts for over a week after it said an e-transfer she received from a small business could be fraudulent. See the Personal Deposit Account Agreement for more details.ĢFor TD Signature Savings accounts, TD fees waived regardless of balance, and non-TD fees, which includes any surcharges at the time of your transaction, will be reimbursed when the minimum daily balance in the TD Signature Savings account is at least $2,500. For a complete list of each TD Signature Savings tier (with corresponding APY and minimum balances), see TD Signature Savings interest rates.ġ TD Signature Savings: Enjoy a relationship bump rate when you link an eligible account, which includes a TD Bank personal mortgage, home equity or credit card OR an active personal or small business checking account WITH at least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month OR an active personal or small business checking account WITH a direct deposit each calendar month.

The same rate may apply to multiple tiers. TD Signature Savings rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship bump rate. †4.00% annual percentage yield (APY) is only available to customers who maintain at least $100,000 on deposit in their account TD Signature Savings AND link an eligible account (relationship bump rate). Aggregate balances over $25 million are subject to negotiated interest rates. *Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened.

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