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These short videos can help you understand how banking with TD works so you can maximize your accounts and services.
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If you’re like most TD Bank customers, you use a combination of cash, checks, online banking, and your debit card to pay bills and make everyday purchases. Your available balance tells you how much money is currently available for you to spend. Different types of transactions affect your available balance in different ways. It’s important to remember that your available balance may not be the same as the balance on your statement, due to pending transactions.
Let’s examine how Available Balance works by looking at a typical customer’s day so you can better understand how to manage your own checking account and avoid overdrafts.
Sam begins the day by using online banking to check his account. He sees that a $500 direct deposit has been made, and his available balance shows as $2000. Sam’s available balance doesn’t reflect any checks he’s written or any scheduled bill payments that have not yet cleared.
Sam remembers he wrote a personal check for $100 to his babysitter and has a $50 check to his niece. Sam should consider this money as unavailable for any future purchases and keep enough money in his account for those payments to process to avoid overdrafts.
While running errands at lunch, Sam buys a cup of coffee using his debit card. His available balance is reduced by $5 right away, and the purchase appears in his Pending Transactions. He also purchases the new bestseller and pays with his debit card, which reduces his available balance by $20 immediately, and will appear in his Pending Transactions. Since this money has already been spent, it will no longer be considered available.
You can check your pending transactions online, on your mobile phone, at a TD Bank store, or by calling TD Customer Service.
On the way home from work, Sam stops by TD Bank to make a deposit: a $200 check, $50 cash, and a $300 check. Sam receives immediate availability for cash deposits, and a $100 courtesy for the total value of all checks he deposited.
New accounts may have to wait longer for their funds to be available. You can find out more by reviewing TD Bank’s Personal Deposit Account Agreement.
Now, let’s look at how Sam’s banking transactions were processed overnight to help you understand what you may see in your own account. All transactions are processed at the end of the business day and are sorted in the following manner.
First, we process transactions based on the date and time that the transaction occurred. Note that pending transactions will impact the available balance, but won’t incur any potential overdraft fees until after the items clear. If Sam had any Wire, Overdraft, or Return Item fees, they would be sorted here, based on the time they were processed by TD Bank. Checks drawn on Sam’s account will all process as if they occurred at 11 pm. When there are multiple checks, they will be processed by check number, from lowest to highest. Lastly, any interest earned or other fees generated by the end of the day, such as non-TD ATM fees, Monthly Maintenance fees, or Paper Statement fees will then be applied.
When the day is done, Sam’s end-of-day available balance is $1975.
Remember, TD Bank’s online and mobile banking services, TD Stores, ATMs and TD Customer Service all offer you up-to-date information about your available balance, and more, to help you manage your accounts anytime, anywhere.
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UNDERSTANDING YOUR OVERDRAFT OPTIONS
At TD Bank, we understand that sometimes the funds available in your account are not quite enough to cover a transaction. We think you should be able to decide how you’d like your account to work if this happens.
That’s why we give you different options to choose from. All of our customers automatically receive our Standard Overdraft Service. With this service, if you don’t have enough available funds in your account, your debit card will be declined at the time of the swipe.
All other overdrawn transactions may be considered for payment at our discretion. Your available balance can be overdrawn by up to $5 without incurring any fees. If we do pay or return an overdraft item for you, a $35 overdraft fee applies for each item, up to five fees per day.
The best way to avoid overdrafts is to actively keep track of your account and know what your available balance is at all times.
Here are some additional ways that TD Bank can help.
Sign up for Balance Alerts, and at the start of the business day, you’ll receive an e-mail notifying you if you’ve reached the available balance limit that you set.
Our Mobile App and Online Banking Services make it easy to keep track of your accounts.
Pick up a Checkbook Register and write down transactions as you go.
And you can always visit one of our Convenient Locations or call TD Customer Service by phone 24 hours a day.
If you’d like to put a plan in place to further manage your account in the event of overdrafts, we offer the following options.
With TD Debit Card Advance, you’ll receive the same coverage as our Standard Overdraft Service, plus your ATM and one-time debit card transactions may also be covered when you don’t have enough available funds in your account. There’s no cost to enroll for this service. A $35 overdraft fee will apply for each overdrawn ATM and one-time debit card transaction we pay.
When you choose our Savings Overdraft Protection option, we’ll link your checking account to your savings or money market account and automatically transfer funds from them to cover you up to the available balance in those accounts. There is no cost to enroll.
For each automatic transfer, a $10 daily transfer fee will apply. If your overdraft protection account does not cover your overdrawn balance, plus the transfer fee, no transfer will occur and you may be charged a $35 overdraft fee for each item we pay or return.
It’s important to note that all overdrafts are paid out at the discretion of TD Bank, and payment is not guaranteed.
Planning ahead for occasional overdrafts makes smart banking sense, but the best advice is to manage your account and avoid overdrafts before they happen.