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If my pending transactions is negative, does that mean my account balance is negative once they're approved?
July 17, 2017 01:45:07 PM
In reply to Jennifer, Edison
Hi Jennifer! Thanks for reaching out to us.
Your current available balance does take into account any pending transactions. This means that prior to these transactions posting to the account, it is already overdrawn. If this is the case, we recommend making a deposit as soon as possible. Your account transactions are processed in the order with which they are received. If purchase is made or bill payment received that causes the account to overdraft, it may be subject to overdraft fees.
We recommend reviewing our Personal Fee Schedule at https://go.td.com/2kFZ5mK and page 10 of our Personal Deposit Account Agreement at https://go.td.com/1kb17UQ for additional information about overdrafts and overdraft fees.
We want to make you aware of a service we offer called Savings Overdraft Protection. This could help to avoid overdrafts and overdraft fees in the future. With this service, we'll automatically transfer funds at the end of the day from your TD Bank Savings account to your TD Bank Checking account to cover the overdrawn balance. You can check out more info on this service by clicking here: https://go.td.com/1lmjVaq. As there may be a fee for this service we also recommend reviewing the Personal Fee Schedule link we provided above.
If you have any additional questions about your balance or anything at all, please don't hesitate to give us a call 24/7 at 888-751-9000 or stop in to see us at any of our Stores. To find one near you, please click here: https://go.td.com/1nq31dc.
We hope you're having a great day, Jennifer!
Candice A, Mount Laurel
July 17, 2017 01:48:20 PM