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payment online. For instance, the online record shows that the check had been processed on Nov 6. Does this mean that the amount is already deducted form the balance on Nov 6? Thank you.
November 10, 2014 03:56:16 PM
In reply to jeannie, flushing
Hey Jeannie, thanks for joining us at TD Helps.
The reflection on your balance depends on how your payments are being sent when using TD Bill Pay; it could be sent as an ACH or in a form of a paper check.
If the payment was paid via ACH (next day availability),the amount will be debited from your account on the same day that you selected as the pay date for your bill, no earlier. If your payment was sent via paper check, the funds will be withdrawn from your account just like any other check – when the Biller cashes the check. This is normally on or within a few days of the pay date.
Please note, If a Biller receives the check before the pay date, they may cash the check anyway, so hold enough funds in your account to cover the payment from the time the payment is submitted until the time it is cashed.
You may verify whether your payment has been received or not by checking your account balances. There are several ways available to manage your account. You may check your balance by contacting our 24/7 Interactive Voice Response (IVR) at 1-800-YES-2000 (1-800-937-2000). The IVR will also ask for a PIN. If this is your first time accessing the IVR, the PIN will be the last four digits of your Social Security number. Please note, you will be required to change this PIN from the last four numbers of your SSN to a unique 4 digit numbers of your choice.
Once you verify your account thru the IVR system, you will be able to retrieve account information. You can also call us at 1-888-751-9000 to speak with a live Banking Specialist who is available 24/7 for your convenience. You can check your balance at any ATM location. When you check your balance through the ATM, all you need to do is insert your card to the machine of your choosing and enter your PIN. You would then need to select "Balance Inquiry." Keep in mind that using any TD ATM is free of charge but fees may be applied to your account for the use of non-TD Bank ATMs. For more information about fees that may be applied, please visit here: http://bit.ly/1cTejgt. Or you could stop inside any TD Store for help. Check out: http://bit.ly/TDStores to find ATMs and TD Bank locations near you!
Another way to keep track of and check your account balances is via Online Banking. In order to use Online Banking, you must first be enrolled. You can do so for free at any time by following this link: http://bit.ly/1lU2qfY. You will need to have your account number, ATM/VISA Debit Card number, Social Security number and email address to complete the enrollment process. If you have any problems while enrolling or are missing any of the mentioned pieces of information, please call us directly 24/7 at 800-493-7562 or visit a TD Store near you. Our Banking Specialists would be happy to help you enroll. After you are successfully logged in, your account balances will be displayed on the first page you see.
Once you've enrolled in Online Banking, you have the opportunity to use Mobile Banking. If you have a smartphone, you can download the Mobile Banking application by taking a look here: http://bit.ly/1wT5SbU. You can submit your phone number on the website and it will text the link to your phone so you can download the app. Your user name and password for Mobile Banking is the same as the one you created for Online Banking! If you have any problems while downloading or accessing the app, you can contact our Banking Specialists mentioned above for assistance.
We hope this helps. Have a great one!
Megan K, Mount Laurel
November 10, 2014 03:57:01 PM