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October 23, 2016 10:29:29 AM
Saving & Managing Your Money
In reply to Josiah, Philadelhia
Thank you for submitting your question to us on TD Helps, Josiah. We are happy to help clear up some confusion.
Based on your question, it sounds like you are unsure how to read your balance through online banking. Is this is so, please review the information below on how to read your balance.
-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://go.td.com/1qSujaj. If you have any other questions, please feel free to call us 24/7 at 888-751-9000.
We are always here to help, Josiah. Please feel free to reach out to us with any other questions.
Kris M, Mt. Laurel
October 23, 2016 10:30:04 AM