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June 12, 2016 01:30:01 PM
In reply to catherine, lansdale
Thanks for joining us on TD Helps, Catherine. We're happy to help clear up some confusion regarding pending items.
Whenever you make a transaction, it will first become a pending transaction before posting to your account. Pending Transactions are authorized or submitted items that have not yet posted to your account. Pending Transactions may affect your available balance and when items post, they are then reflected in your statement history.
After all pending transactions are deducted from that Account Balance, your "Available Balance" is the amount of money in your account you can use without incurring an overdraft charge. 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. You will typically not see these items pending.
- 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://go.td.com/1qSujaj.
If you have a question regarding a particular pending transaction that may be pending on your account or if you have any other questions, we invite you to call us 24/7 at 888-751-9000 for assistance. You may also visit us during lobby hours to discuss this in person. Feel free to look here: http://go.td.com/1WxWpIB for a listing of hours and locations.
We're here to help if you have any other questions, Catherine.
Kris M, Mt. Laurel
June 12, 2016 01:31:22 PM