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When I deposit my money in the account the available balance always seem to be different
For example my checking account have $200 and I deposit $200 cash when i get my receipt from the ATM machine it would say my available balance is $300 it always seem to be the $100-$180 missing on the available balance please help
December 28, 2014 10:29:24 AM
In reply to Joie, Brooklyn
Welcome to TD Helps and thank you for sending us your question, Joie.
Please kindly keep in mind that your "Account Balance" is the true amount of money in your account at the start of any given business day. After all pending transactions are deducted from that Account Balance, your "Available Balance" is the amount of money in your account you can use without incurring an overdraft charge. Some things to remember:
-Your Available Balance is reduced by any pending debit card transactions (purchases and ATM withdrawals), and includes any deposited funds that have been made available
-Your Available Balance does not reflect checks that you have written that have not yet cleared, or payments made in Bill Pay by laser draft (paper check) that have not yet cleared
-Your Available Balance also does not include electronic payments in Bill Pay that have not yet been paid, or debit card transactions that have not yet been processed by the vendor for payment
-If you exceed your available balance, you may incur an overdraft fee
You may also find this link helpful: http://bit.ly/1gDES9n or even this video discussing what an Available Balance is: http://bit.ly/1qSujaj.
The quickest way to find out your available balance is by logging into your TD Bank Mobile App or TD Bank Online Banking profile here http://bit.ly/1eaISlq (or here http://bit.ly/1rvBmq8 if you're a BusinessDirect Customer). If you have any additional questions or concerns, please feel free to contact us 24/7 at 888-751-9000 or stop by any of the TD Store locations in your area. To find TD Store locations near you, please visit: http://bit.ly/TDStores.
Thanks again for your visit today! We welcome you back anytime with any other questions, and take care.
LiShu R, Mount Laurel
December 28, 2014 10:30:33 AM