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overdraft fees so could you explain the difference and does this mean I need to deposit money so my account won't be in the negative? Thank you.
Nicole, Mount Laurel
July 1, 2015 01:02:35 PM
In reply to Nicole, Mount Laurel
Hi Nicole! Thanks for reaching out to us today on TD Helps.
We'd be more than happy to clarify this with you. Your "Account Balance" or "Today's Beginning Balance" is the true amount of money in your account at the start of any given business day. When locating your actual balance, you would want to look at the "Available Balance" as that number is reflected after all pending transactions are deducted. 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.
As we would like to assist you directly, please understand, we do not have access to your personal information since this is considered an unsecured forum. To better assist you, we invite you to give us a call 24/7 at 888-751-9000. We also welcome you to visit your local TD Bank Store to discuss this in person. For a listing of TD Bank Store hours and locations, please check out: http://bit.ly/TDStores.
Hope this helps explain your balances further and have a great rest of your week.
Sandy D, Mount Laurel
July 1, 2015 01:18:03 PM
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