Debit Card Account
Resume:
Call 1-800-***-**** for **-hour Bank-by-Phone services or connect to www.tdbank.com
xxxxxx
ALEX NEGRON
PALMER MA 010691529
STATEMENT OF ACCOUNT
Page: 1 of 3
Statement Period: Jun 26 2022-Jul 25 2022
Cust Ref #: 826*******-***-E
Primary Account #: 826-*******
E
Bank Deposits FDIC Insured TD Bank, N.A. Equal Housing Lender TD Convenience Checking
ALEX NEGRON Account # 826-*******
Visa Debit Card Daily Limit Changes Effective April 26, 2022 The following changes apply to Personal Checking Accounts with Visa Debit Card access: TD is making changes to the Standard Daily Limits for Visa Debit Cards and Visa Private Client Debit Cards: If you use your Debit Card or Debit Card number to fund a digital wallet, brokerage, or other type of account, these transactions are considered Account Funding Transactions (AFTs). The Standard Daily Limit for Account Funding Transactions is $5,000 for Visa Debit Cards and Visa Private Client Debit Cards.
ACCOUNT SUMMARY
Beginning Balance -178.88
Electronic Deposits 449.00
Electronic Payments 268.48
Other Withdrawals 105.00
Service Charges 15.00
Ending Balance -118.36
Average Collected Balance -93.26
Interest Earned This Period 0.00
Interest Paid Year-to-Date 0.00
Annual Percentage Yield Earned 0.00%
Days in Period 30
Total for this Period Total Year-to-Date
Total Overdraft Fees $70.00 $735.00
Total Returned Item Fees (NSF) $35.00 $140.00
DAILY ACCOUNT ACTIVITY
Electronic Deposits
POSTING DATE DESCRIPTION AMOUNT
06/28 ACH RETURNED ITEM, CAPITAL ONE CARD ONLINE DEP SW062C6EED1ED53
49.00
07/01 ACH DEPOSIT, B & R MACHINE,IN DIRECT DEP 64340665CF9 100.00 07/08 ACH DEPOSIT, B & R MACHINE,IN DIRECT DEP 57841002CF9 100.00 07/15 ACH DEPOSIT, B & R MACHINE,IN DIRECT DEP 59637949CF9 100.00 07/22 ACH DEPOSIT, B & R MACHINE,IN DIRECT DEP 84071157CF9 100.00 Subtotal: 449.00
Electronic Payments
POSTING DATE DESCRIPTION AMOUNT
06/27 ELECTRONIC PMT-WEB,
CAPITAL ONE CARD ONLINE DEP SW062C6EED1ED53
49.00
07/15 NONTD ATM DEBIT, 312********, AUT 071522 DDA WITHDRAW PAI ISO SOUTH HADLEY * MA
82.50
07/15 NONTD ATM FEE, NONTD ATM FEE 3.00
How to Balance your Account
Begin by adjusting your account register
as follows:
• Subtract any services charges shown
on this statement.
• Subtract any automatic payments,
transfers or other electronic with-
drawals not previously recorded.
• Add any interest earned if you have
an interest-bearing account.
• Add any automatic deposit or
overdraft line of credit.
• Review all withdrawals shown on this
statement and check them off in your
account register.
• Follow instructions 2-5 to verify your
ending account balance.
1.
2.
3.
4.
5.
Your ending balance shown on this
statement is:
List below the amount of deposits or
credit transfers which do not appear
on this statement. Total the deposits
and enter on Line 2.
Subtotal by adding lines 1 and 2.
List below the total amount of
withdrawals that do not appear on
this statement. Total the withdrawals
and enter on Line 4.
Subtract Line 4 from 3. This adjusted
balance should equal your account
balance.
FOR CONSUMER ACCOUNTS ONLY — IN CASE OF ERRORS OR
QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:
If you need information about an electronic fund transfer or if you believe there is an error on your bank statement or receipt relating to an electronic fund transfer, telephone the bank immediately at the phone number listed on the front of your statement or write to:
TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, Maine 04243-1377
We must hear from you no later than sixty (60) calendar days after we sent you the first statement upon which the error or problem first appeared. When contacting the Bank, please explain as clearly as you can why you believe there is an error or why more information is needed. Please include:
• Your name and account number.
• A description of the error or transaction you are unsure about.
• The dollar amount and date of the suspected error. When making a verbal inquiry, the Bank may ask that you send us your complaint in writing within ten (10) business days after the first telephone call. We will investigate your complaint and will correct any error promptly. If we take more than ten (10) business days to do this, we will credit your account for the amount you think is in error, so that you have the use of the money during the time it takes to complete our investigation.
INTEREST NOTICE
Total interest credited by the Bank to you this year will be reported by the Bank to the Internal Revenue Service and State tax authorities. The amount to be reported will be reported separately to you by the Bank.
FOR CONSUMER LOAN ACCOUNTS ONLY — BILLING RIGHTS
SUMMARY
In case of Errors or Questions About Your Bill:
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us at P.O. Box 1377, Lewiston, Maine 04243-1377 as soon as possible. We must hear from you no later than sixty (60) days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:
• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.
FINANCE CHARGES: Although the Bank uses the Daily Balance method to calculate the finance charge on your Moneyline/Overdraft Protection account (the term "ODP" or "OD" refers to Overdraft Protection), the Bank discloses the Average Daily Balance on the periodic statement as an easier method for you to calculate the finance charge. The finance charge begins to accrue on the date advances and other debits are posted to your account and will continue until the balance has been paid in full. To compute the finance charge, multiply the Average Daily Balance times the Days in Period times the Daily Periodic Rate (as listed in the Account Summary section on the front of the statement). The Average Daily Balance is calculated by adding the balance for each day of the billing cycle, then dividing the total balance by the number of Days in the Billing Cycle. The daily balance is the balance for the day after advances have been added and payments or credits have been subtracted plus or minus any other adjustments that might have occurred that day. There is no grace period during which no finance charge accrues. Finance charge adjustments are included in your total finance charge.
Page: 2 of 3
Ending
Balance
-118.36
Total
Deposits
+
Sub Total
Total
Withdrawals
-
Adjusted
Balance
Total Deposits
Total
Withdrawals
Call 1-800-***-**** for 24-hour Bank-by-Phone services or connect to www.tdbank.com xxxxxx
ALEX NEGRON
Bank Deposits FDIC Insured TD Bank, N.A. Equal Housing Lender STATEMENT OF ACCOUNT
Page: 3 of 3
Statement Period: Jun 26 2022-Jul 25 2022
Cust Ref #: 826*******-***-E
Primary Account #: 826-*******
DAILY ACCOUNT ACTIVITY
Electronic Payments (continued)
POSTING DATE DESCRIPTION AMOUNT
07/19 NONTD BALANCE INQUIRY, 312********
AUT 071922 DDA BAL INQ
RACING MART K678445 HOLYOKE * MA
0.00
07/19 NONTD ATM DEBIT, 312********, AUT 071922 DDA WITHDRAW DAIRY MARKET 464467 HOLYOKE * MA
62.00
07/19 TD ATM DEBIT, 312********, AUT 071922 DDA WITHDRAW 549 CENTER ST LUDLOW * MA
50.00
07/19 BAL INQ FEE, BAL INQ FEE 3.00
07/19 NONTD ATM FEE, NONTD ATM FEE 3.00
07/25 DEBIT POS, 312********, AUT 072422 DDA PURCHASE HOLYOKE L 2217 NORTHAM HOLYOKE * MA
15.98
Subtotal: 268.48
Other Withdrawals
POSTING DATE DESCRIPTION AMOUNT
06/28 OVERDRAFT RET 35.00
07/20 OVERDRAFT PD 70.00
Subtotal: 105.00
Service Charges
POSTING DATE DESCRIPTION AMOUNT
07/25 MAINTENANCE FEE 15.00
Subtotal: 15.00
DAILY BALANCE SUMMARY
DATE BALANCE DATE BALANCE
06/25 -178.88 07/15 0.62
06/27 -227.88 07/19 -117.38
06/28 -213.88 07/20 -187.38
07/01 -113.88 07/22 -87.38
07/08 -13.88 07/25 -118.36
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