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I am new to TD Bank and just wanted to know what is the average time for a Visa Debit card transaction to show up on the account? I just made a purchase on amazon.com about 15 minutes ago and although amazon confirmed that the transaction went through, there is no amazon transaction on my TD Bank account (I logged into it from the TD Bank website).
Thank you in advance
Tom, Niagara Falls
March 21, 2017 04:38:24 PM
In reply to Tom, Niagara Falls
Good afternoon Tom, welcome to TD Helps and thank you for sending us your question.
Purchases made online can vary depending on the type of payment that is used to make the payment. If the payment was made using your ATM/VISA debit card you should be able to view the transaction in your pending transactions list online within minutes.
When selecting the "credit" portion or Visa side of your debit card, the funds are placed on hold from your account and put into your pending. While the authorized amount typically takes one to two (1-2) business days to post to your account, the timing really depends on the merchant where you made a purchase. Please note merchants have up to 180 days to post pending transactions, however; it is unusual for an item to exceed five business days.
Occasionally, pending Debit Card amounts listed may not equal the amount of the actual transaction. When the transactions clear, the actual amount will be reflected in account history. Examples of these transactions may include Debit Card purchases at restaurants or for gasoline. For more detailed information on this, please click here: https://go.td.com/1kb17UQ. This link will take you directly to our "Personal Deposit Account Agreement", please select page 12 for more information the "Processing Orders for Payment Checks and other items" which includes debit card transaction, deposits, and checks
If you've provided your routing and account number this is considered an ACH transaction. ACH transactions usually takes 2-3 business days to show in your pending transaction. If you have any questions about your transactions, you may contact a Banking Specialist 24/7 at 888-751-9000.
Feel free to visit us again if you have any other questions.
Shanika A, Mount Laurel
March 21, 2017 04:39:07 PM
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