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How to pay and add card to TD Bank Digital wallet - How To -Bestmarket TD bank digital wallet can be used just the way you use your plastic credit or debit card, it can be used to locate an ATM that won’t charge you a fee. It also helps you keep your loyalty, gift and membership cards on your smartphone cards handy for when you need them. You can use the positive balance on gift cards stored in TD Wallet to make a payment at check out.