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Carlos, Valley Stream
May 20, 2016 07:44:40 PM
In reply to Carlos, Valley Stream
Thanks for reaching out to us here on TD Helps, Carlos. We'd be happy to clarify.
Your "Account Balance" or beginning 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. Since you mentioned the numbers are in parenthesis, it sounds like your balance may be overdrawn. Take a look below to review a few things to help you understand 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 link helpful: http://bit.ly/1gDES9n or even this video discussing what an Available Balance is: http://go.td.com/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://go.td.com/1eaISlq (or here http://go.td.com/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 by dialing the same number and selecting 0. Our Representatives will be happy to review your balance with you.
We hope this helps, Carlos and have a good night.
Shanika A, Mount Laurel
May 20, 2016 07:45:02 PM