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June 20, 2016 12:37:38 PM
Saving & Managing Your Money
In reply to Nikki, Philadelphia
It's a pleasure to assist you today, Nikki.
Your "Account 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. 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://go.td.com/1qSujaj.
If you'd like, you can call to confirm your Available Balance and use our automated telephone service at 888-751-9000 or select "0" at any point to speak with a live Banking Specialist directly. All options are available to you 24/7 to keep you up-to-date on your Available Balance. You may also visit us during lobby hours here: http://go.td.com/1f9DSJR.
We hope this helps, Nikki. Have a great day.
Alara B, Mount Laurel
June 20, 2016 12:38:22 PM
I lost my card with my phone in China 2 days ago can you guy please block it for me
Jeffson junior, Ottawa
June 20, 2016 01:16:36 PM
2 people recommended this
In reply to Jeffson junior, Ottawa
Welcome to TD Helps, Jeffson.
We see that you are writing in from Ottawa, Canada and wanted to inform you that you've reached TD Bank in the United States.
We invite you to submit another inquiry on our Partners from TD Canada Trust's TD Helps page here: http://go.td.com/1QBOF4U. You may also connect with a Representative directly at 866-222-3456. Our Partners are available 24/7 and will be happy to answer any additional questions you may have.
Thanks for reaching out!
Alara B, Mount Laurel
June 20, 2016 01:17:06 PM
1 person recommended this