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July 15, 2015 01:43:07 PM
In reply to Daniel, Hampton
Thanks for making a stop at TD Helps, Daniel. We'd be happy to help provide more details.
Although you have opening transactions on your account, as long as you have funds available, you may use your account to make purchases.
When reviewing your account online at www.tdbank.com, 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 video useful discussing what an Available Balance is: http://bit.ly/1qSujaj.
If you'd like, you can call to confirm your Available Balance and use our automated telephone service at 888-751-9000 or select "0" at any point to speak with a live Banking Specialist directly. All options are available to you 24/7 to keep you up-to-date on your Available Balance. You may also visit us during lobby hours here: http://bit.ly/TDStores.
If you happen to be writing to us from Canada and you are inquiring about your TD Canada Trust account, we invite you to connect with our friends via their TD Helps page here: http://bit.ly/1qHQQns.
We hope this helps, Daniel. Let us know if you need anything else.
Yen D, Mount Laurel
July 15, 2015 01:58:23 PM