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I am looking at my account and see have some transactions that I did two days ago that are still being processed as "pending transactions" How long does it take to clear into my account? I do not know if it is because of the Holiday MLK day but this is longer than usual
January 17, 2017 02:55:40 PM
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In reply to Melissa, Miami
Thanks for stopping by, Melissa! We're happy to have you on TD Helps today.
Depending on the type of transaction you may be referring to, different time frames can apply until it becomes posted to your account.
If you're asking about a pending debit card transaction, please note that the transaction will be completed and no longer pending once the merchant has requested to collect the funds from us. This usually takes 2-3 business days, but can last longer for certain authorizations including online purchases, travel sites, hotels, and car rental companies.
If you're referring to a direct deposit or debit (and ACH transaction) which uses your routing and account numbers, these are typically completed within one business day after you see them pending on your account.
And if you happen to be referring to a deposit you might have made to your account, we invite you to view our Deposit Account Agreement here: https://go.td.com/1kb17UQ. On pages 41-44, you can review detailed information about when you'll have access to your deposits. In general, we try to make the full amount of your deposit available on the business day after the deposit.
If you have questions regarding a specific transaction which is pending on your account, feel free to give us a call anytime. Our Banking Specialists are available 24/7 for your convenience. Or, you are always welcome at any of our Stores, and please find a listing of our locations nearest you at https://go.td.com/1nq31dc.
Thanks again for your question and we hope this helps you, Melissa! Take care.
Shanika A, Mount Laurel
January 17, 2017 02:56:25 PM