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I tried to make an online purchase with the card from sears which it reads on my account statement occurred but this order never went through and sears says it was not charged. I want to confirm what my balance is on the card now.
Gena, Pottstown, PA
January 5, 2015 09:04:41 AM
In reply to Gena, Pottstown, PA
Welcome to TD Helps and thank you for sending us your question, Gena.
Your "Account Balance" is the true amount of money in your account at the start of any given business day. 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 charges.
Just 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 link helpful: http://bit.ly/1gDES9n or even this video discussing what an Available Balance is: http://bit.ly/1qSujaj.
If you would like to confirm your account balance and the transaction status with us, please feel free to call 888-751-9000, 24/7 to speak with one of our Banking Specialists. After account verification they'd be more than happy to review your account with you. Also, you may visit any TD Bank Store to have your account reviewed in person. For a listing of TD Bank Stores please see here: http://bit.ly/TDStores.
Thanks again for your visit today! We welcome you back anytime with any other questions, and take care.
LiShu R, Mount Laurel
January 5, 2015 09:07:33 AM