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December 23, 2014 10:49:07 PM
In reply to Mecca, Clayton
Glad to see you on TD Helps, Mecca! We're glad to assist you in defining your account balance.
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 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.
-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.
The fastest way to find out your available balance is by logging into your TD Bank Mobile App or TD Bank Online Banking profile here: http://bit.ly/1eaISlq (or here http://bit.ly/1rvBmq8 if you're a Business Direct Customer). If you'd prefer, you can call to confirm your Available Balance and use our automated telephone service at 888-751-9000 or speak with a live Banking Specialist directly. All options are available to you 24/7 to keep you up-to-date on your Available Balance.
We hope this answers your question and feel free to come by again with additional questions, Mecca! Take care and have a good one.
Katherine G, Mount Laurel
December 23, 2014 10:51:57 PM