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October 16, 2015 04:25:24 PM
In reply to Jose, Nashua
Thanks for connecting with us, Jose. We'll be glad to go over pending transactions in order to get a better understanding of your available balance.
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://bit.ly/1qSujaj.
If you have additional questions regarding your account, feel free to contact our Banking Specialists 24/7 at 888-751-9000 or visit a nearby TD location. For a listing of our Stores and hours please view: http://bit.ly/TDStores.
Enjoy your weekend, Jose and take care.
Colleen B, Mount Laurel
October 16, 2015 04:25:52 PM