2013年5月7日 星期二

TD Ameritrade將在6/13關閉我的支票帳戶

才剛回家就收到這個不幸的消息。
先前知道TD Ameritrade不再提供支票給新的國外客戶還慶幸自己是早鳥,沒想到終究逃不過。
如果有已經用TD Ameritrade支票戶頭申請退稅的朋友,要趕快和TD Ameritrade溝通解決方案。

25 則留言 :

  1. 早了一步報稅,上週才寄出,該如何解決比較好?

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    1. 啊?真的有災情…

      我覺得趕快先和TD商量看看吧,畢竟選這個時間是他們考慮不週,給的緩衝期也實在短了點。如果實在不行,那就只好問IRS如何處理了。

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  2. Hello,我也是有使用TD checking account報稅的朋友,但是沒有收到您所說的通知
    不知道他給您的通知內容為何,是指不論新舊客戶一律關閉支票帳戶嗎?

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    1. 請向TD確認吧,通知書是書面寄達的,網站和Email都沒收到,發信日期為4/29,我不確定這是否為全面性政策,是否分批處理,他通知我即將關閉支票戶頭的理由就只是不再提供支票服務給非美國公民或沒有永久居留權的外國人。

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    2. 我是去年申請的,應該是全外國身分帳戶都關了,或許你比較幸運,但也有可能是沒收到信件。

      不知IRS匯款失敗會不會用支票補寄?

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    3. 剛剛搜尋了一下,雖然狀況不同,但應該可以適用,裡頭的說明還蠻具體的:
      http://www.ehow.com/info_12010526_gave-wrong-account-number-tax-refund.html
      簡單的說,如果銀行(這裡是TDA)把退稅退回IRS,那麼會改寄支票。但如果進入了別人的帳戶,那要取回就很麻煩,IRS也愛莫能助。如果要聯絡IRS,那麼要先確認IRS已經受理此退稅,這可以透過網頁查詢得知進度,受理之後IRS才有辦法處理。

      IRS建議郵寄後4週就可以查詢http://www.irs.gov/Refunds/Where's-My-Refund-It's-Quick,-Easy,-and-Secure.

      這篇則教人如何聯絡IRS更改退稅方式,看來必須透過電話才行http://www.ehow.com/how_7154271_can-number-gave-irs-refund_.html

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  3. 沒了這個支票帳戶,就等同無法和TDA透過ACH轉帳了...

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    1. 其實TD帳戶做為ACH的發動者並不會受到是否有開支票戶影響,只要對方有支票戶就行了。當然,像我在Just2Trade也沒有支票戶的話,雙方都只有發動功能,沒有支票帳戶,就沒有辦法和TD透過ACH轉帳。現在TD的狀況變成和Just2Trade一樣,和Firstrade相反,Firstrade是只能透過支票戶頭被動接受別人的ACH,本身無法做為ACH發動者。

      簡而言之,以後要和TD做ACH轉帳的券商,必須本身要有支票戶頭才能轉帳了。Firstrade有匯款補貼,又有支票可申請,和TD搭配剛好是很好的互補。目前看起來還是嘉信的服務最全面。E*Trade的ACH沒問題,支票我就沒仔細問了。

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    2. Rib大說的沒錯,我的TD帳戶今年初才開好,沒有支票帳號,但一樣可以在TD設定與Charles Schwab、Firstrade的ACH連結。(另一方一定要有支票帳號)

      以目前狀況來看,若有需要申請兩個以上的美國券商帳戶,Firstrade + TD、Charles Schwab + TD、或是Charles Shwab + Firstrade + TD這些組合都不錯。都能利用到ACH、支票帳戶、VISA DEBIT CARD這三項方便的功能。

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  4. 昨天寫mail給TD說明因為要退稅希望它展延時間,出乎意料的沒有當天回信,當天回可能是壞消息,沒當天回算好事,應該是內部討論中。

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  5. TD還沒回應...不知是裝死還是在討論?以TD的規模應該是後者吧。
    不知有沒有其他人跟TD反應展延?

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    1. TD總算回信了,但不知他在回什麼...很無言,有人可以解籤詩嗎?

      Dear xxx,
      Thank you for choosing TD Ameritrade.

      We do not show that you have authority to speak with us on this account. Please ask that the owner of the account always communicate with us going further from the message center.

      If you have any questions, please respond to this e-mail using the secure Message Center located on your home page or by contacting TD Ameritrade's Banking Services directly, via phone, at 888-723-8504, option 6. For fastest service, please have your Account Number and PIN ready when calling in.

      Jennifer L.
      Banking Service Department
      TD Ameritrade

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    2. 您是用Email問的吧? TDA認為Email是一種不安全的媒介,而您問的問題牽涉到帳戶安全,所以不透過Email進一步討論,您可以登入網頁後用Message Center來聯繫,也可以直接透過客服電話聯繫。打電話時請備妥帳號和PIN已備身分認證。

      我和Firstrade如果用非登錄Email聯繫時也會有類似信息出現。

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    3. 我是用Message Center問的,看來要打個電話。

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    4. 那真不該出現這種答覆才對。很明顯文不對題。

      看來真的要打電話比較快了。

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    5. TD總算回了,但無關痛癢,答非所問,只是再次重申他們的政策。

      Thank you for contacting TD Ameritrade's Banking Services Desk. Regrettably, due to the higher incidence of fraud against our foreign clients, specifically through the check-writing and debit card privileges, TD Ameritrade has made the business decision to suspend these privileges in foreign-registered accounts. This is not a reflection on our international clients, who we greatly value. But the increased incidents of checkbooks and debit cards being stolen from our international clients, and used in fraudulent transactions, has made this a necessity.

      This will not have any effect on your ability to access and trade through the TD Ameritrade web site. When you need funds withdrawn from the account, TD Ameritrade will be glad to assist you in initiating an International Bank Wire to your local bank, or having a check mailed to you (though I highly recommend the former as the best course of action). If you do have a U.S.-based bank account, you are also welcome to establish ACH links from inside your TD Ameritrade account, which will allow you to transfer funds both into and out of your TD Ameritrade account.

      I apologize for the inconvenience, but we cannot postpone the closure of the check-writing privileges.

      If you have any questions, please respond to this e-mail using the secured Message Center located on your home page or by contacting TD Ameritrade's Banking Services Team directly, via phone, at 888-723-8504, option 6. For fastest service, please have your Account Number and PIN ready when calling in.

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    6. I apologize for the inconvenience, but we cannot postpone the closure of the check-writing privileges.

      這回不是答非所問,應該是明確的拒絕了。

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  6. 我也寫信問客服說,我已經在今年的1040NR上面填入TDA的支票帳戶作為Direct Deposit, 問他們要怎麼處理。
    結果給了我一個答非所問的回答

    Thank you for contacting TD Ameritrade's Banking Services Desk. Regrettably, due to the higher incidence of fraud against our foreign clients, specifically through the check-writing and debit card privileges, TD Ameritrade has made the business decision to suspend these privileges in foreign-registered accounts. This is not a reflection on our international clients, who we greatly value. But the increased incidents of checkbooks and debit cards being stolen from our international clients, and used in fraudulent transactions, has made this a necessity.

    This will not have any effect on your ability to access and trade through the TD Ameritrade web site. When you need funds withdrawn from the account, TD Ameritrade will be glad to assist you in initiating an International Bank Wire to your local bank, or having a check mailed to you (though I highly recommend the former as the best course of action). If you do have a U.S.-based bank account, you are also welcome to establish ACH links from inside your TD Ameritrade account, which will allow you to transfer funds both into and out of your TD Ameritrade account.

    If you have any questions, please respond to this e-mail using the secured Message Center located on your home page or by contacting TD Ameritrade's Banking Services Team directly, via phone, at 888-723-8504, option 6. For fastest service, please have your Account Number and PIN ready when calling in.

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    1. 請參考上面Peter的最後一個留言,他收到的回信的幾乎和您的,但多了一句"切題"的回應,答案是否定的。

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  7. 剛剛google到下列這個訊息。
    http://xueqiu.com/6592559979/22254891
    雖然是去年的事情了,不知道TD Ameritrade是不是真的有這樣做?
    如果有的話,感覺TD Ameritrade對於國際投資人並不友善。

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    1. TD Ameritrade要求中國、日本客戶結清戶頭...不過好像沒看到其他相關報導,而這則報導居然是Firstrade發出的...真是各種奇怪。裡面有提到日本法規和中國帳戶的風險問題,這就不是很清楚了。只能希望不要碰到這種事吧。

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  8. 報稅是留TD的支票帳戶,但我前天已經收到IRS寄來的支票了。可見Rib的資料是對的,帳戶匯不進去就寄支票了。

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  9. 版大有如何把美國卷商裡面的錢匯來台灣的詳細解說?

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    1. 詳解沒有,但基本上填匯款單傳真過去就行了。

      綠角大這裡有Firstrade的說明:
      http://greenhornfinancefootnote.blogspot.tw/2008/02/firstrade.html
      C.C Wang的留言裡有很多券商的經驗分享

      一般需要的費用有券商的手續費和中間行費用,TD Ameritrade超過10W可免券商費用。

      另外也可請券商開立支票寄到台灣,不用匯款費用,但在台灣光票託收另有費用,且費時較久,請自行詢問往來銀行。這裡有經驗分享:
      http://buffettism.blogspot.tw/2010/04/firstrade.html
      (我記得綠角大那裏看過這個管道的文章,但現在找不到了)

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