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If it says pending transaction (deposit) in my checking account. Can I use the funds without being charged a fee?
September 12, 2015 11:07:03 AM
In reply to Kay, Bronx
Good question, Kay and we appreciate you coming to TD Helps for the answer.
Please know that cash deposits made at the ATM or with bank tellers are available immediately on the business day on which they are deposited. Funds availabilities on check deposits vary. We invite you to look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ . On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
Please kindly keep in mind that your "Account Balance" is the true amount of money in your account at the start of any given business day, before any credits or debits. After all pending transactions are deducted from or added to that Account Balance, your "Available Balance" is the amount of money in your account you can use without incurring an overdraft charge.
You may also find this link helpful: http://bit.ly/1gDES9n or even this video discussing what an Available Balance is: http://bit.ly/1qSujaj.
If you have any additional questions, please feel free to reach out to our Banking Specialists 24/7 at 888-751-9000. Kay, enjoy your weekend!
LiShu R, Mount Laurel
September 12, 2015 11:07:48 AM