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Can you spend pending money from your checking
February 17, 2018 06:33:49 AM
In reply to patrick, columbia
Good morning, Patrick, and welcome to TD Helps.
It sounds as though you may have recently received a direct deposit to your account that may still be 'Pending', and are curious if you'll have access to these funds right away. If this is the case, we have great news!
Here at TD Bank, direct deposits are available in your account right away, even when they are still reflecting as 'Pending.' Just in case you may not be referring to a direct deposit having been credited to your account, we'll be happy to explain available and pending balances to you in further detail!
Your available balance is the amount of money in your account that you are able to use without incurring an overdraft charge. 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 a paper check that have not yet cleared.
Your available balance also does not include electronics 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.
When looking to obtain the available balance in your account, you're welcome to do so by connecting with one of our Banking Specialist over the phone at 1-888-751-9000, 24/7, visiting your nearest TD Store location during lobby hours, or even reviewing your balances using your online banking.
If you're interested, you may use the link here: http://go.td.com/1f9DSJR to find your nearest TD Store location, or can also click here: https://go.td.com/1eaISlq to access your account and balances online. If you haven't already done so, you may also use TD Bank's mobile banking app to review your account and balances on the go! Check out this link: https://go.td.com/1hOPk1H to learn more.
If you have any additional questions or concerns, Patrick, please don't hesitate to connect with us, as we're always happy to help!
Enjoy your morning, and have an amazing weekend!
Brittany M, Mount Laurel
February 17, 2018 06:35:07 AM