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June 10, 2015 06:22:20 PM
In reply to Alice, Burlington
Thank you for reaching us on TD Helps, Alice. We'd be happy to clarify.
Your "Account Balance" or "Today's Beginning Balance" is the true amount of money in your account at the start of any given business day. When locating your actual balance, you would want to look at the "Available Balance" as that number is reflected after all pending transactions are deducted. 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 have any questions about your account balance that you'd like to discuss, feel free to contact us 24/7 by dialing 888-751-9000. After account verification, our Representatives will be glad to help. Similarly, you are able to visit any TD Store during lobby hours for assistance. To take a look at TD Stores near you please visit http://bit.ly/TDStores.
We hope this helps, Alice and have a good day!
Megan K, Mount Laurel
June 10, 2015 06:23:15 PM
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