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March 4, 2015 01:43:32 PM
In reply to RENEE, CAMDEN
Welcome back, Renee. We'd be happy to review how different types of payments process.
If you are using Bill Pay via your Online Banking account, payments are delivered 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 Just like checks you write yourself, money will be withdrawn from your account when the check is cashed by the Biller.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.
ACH and Debit Card transactions are different. When you schedule an ACH, using your account and routing number, or a Debit Card transaction with a business or merchant, it is up to them to collect the funds. Typically, ACH transactions can take 1-2 business days while Debit Card transactions may take 3-5 business days.
If you have concerns about a specific payment that you have made, we ask that you contact us directly for assistance. You may do so 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours for help. To take a look at TD Stores near you and their hours please visit http://bit.ly/TDStores. Our Representatives will be happy to discuss the transactions in question with you.
Please know that we would like to assist you directly; however, TD Helps is considered an unsecured forum and we do not have access to your account/personal information.
We hope to hear from you soon, Renee and have a good day.
Megan K, Mount Laurel
March 4, 2015 01:44:15 PM