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March 5, 2015 08:46:26 AM
In reply to Andrew, Brooklyn
Thanks for joining us here at TD Helps, Andrew.
If you are receiving an eCheck payement in the form of an ACH, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times and will be available for use once processing is complete. We invite you to look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ. On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
If you are initiating a payment via TD Bill Pay, payments you make are delivered in one of two ways:
By electronic transmission: These Billers receive your payments through secure electronic transmission.
By laser draft (paper check): These Billers receive a check that is drawn on your account. A check is created by Bill Pay and then mailed to the Biller’s mailing address. Just like checks you write yourself, money will be withdrawn from your account when the check is cashed by the Biller.
When you open the payment calendar, you will see available Pay Dates in blue. In most cases, if your first available Pay Date is the next business day, the payment will be sent electronically. In most cases, if the earliest available payment date is not the next business day, a Laser Draft will be issued to the Biller.
Please note; the pay date is the day your payment should be received, so you can choose a pay date that is the same as the due date on your bill. You can also select an earlier date if you wish. We also like to invite you to take a look at our Bill Pay FAQs by clicking here: http://bit.ly/1gWIrp7.
If you have any other questions, you are more than welcome to call us at 888-751-9000, available 24/7.
We hope this helps and please have a great one!
Yen D, Mount Laurel
March 5, 2015 08:47:40 AM