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how long does it take for debit card purchases to post to my account
February 23, 2018 10:39:07 AM
In reply to scott, torrington
Good morning, Scott, and welcome to TD Helps!
You have a great question!
Here at TD Bank, when using your debit card, you'll have the ability to make purchases as either a 'debit' or a 'credit'. Generally speaking, when using your card as a 'debit', you should be prompted to enter in your PIN, whereas a 'credit' transaction will require your signature. In most instances, when you make a purchase using your PIN, the transaction will be debited from your account on the following business day; however, purchases that require your signature may remain pending your account for up to 10 business days.
When you sign for a purchase, you are providing that merchant with an agreement to debit your account for your purchase. Once the transaction has completed, the funds will remain pending in your account until the merchant comes to claim them. In the event that the merchant does not claim the funds, they should automatically be released back to your account.
If you're unsure of whether a specific transaction on your account has been processed as a 'debit' or a 'credit', you're more than welcome to connect with us, and we'll be happy to review your account with you!
You're first welcome to connect with one of our Banking Specialist. For your convenience, they're here to help 24 hours a day, 7 days a week, and can be reached by dialing 1-888-751-9000. As always, you would also have the option of visiting your nearest TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a Store location, we understand, and would like to recommend that you then send us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, towards the right hand side of your screen, you should see a 'Your Secure Messages' section. To send a message, simply click 'Send us a secure message.'
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We hope this cleared up any confusion, Scott!
Thanks for stopping by, and have a great rest of your day!
Brittany M, Mount Laurel
February 23, 2018 10:40:08 AM