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How do you determine my available balance?

For your deposit accounts, we provide three balance figures to help you understand your account activity: 

  • Available balance
  • Pending transactions
  • Today's beginning balance

Available balance is the amount of money currently available for you to use. It can fluctuate throughout the day based on your account activity. 

The fastest way to find out your available balance is to:

  1. Log in to the TD Bank mobile app
  2. Log in to Online Banking
  3. Call 1-888-751-9000 to use Bank by Phone, the automated telephone service

While your Available Balance gives you a good idea of what's available for transactions today, you'll want to make sure you have enough in reserve to cover any upcoming expenses that aren't yet pending -- such as personal checks you've written or Bill Pay items you've scheduled. Also note that your Available Balance doesn’t include any overdraft protection you may have for your account.

Pending transactions are recent transactions that are already processing. We provide a total of your pending transactions as a helpful way to gauge your account activity. It would not include things like personal checks that haven't been cashed, or scheduled bill payments.

Today's beginning balance is your balance at the start of the current business day. It's not adjusted for any pending transactions. It's updated when the overnight processing of the day's transactions is completed.

Wondering when you'll see deposited money as part of your available balance? Usually, deposited money is available by the next business day1. For more details about when you can expect to see your deposited funds in your account, refer to the TD Bank Funds Availability Policy

Please refer to the Personal Deposit Account Agreement for more information about our Funds Availability Policy, including interest credits and how all other fees are processed.

1A business day is every day, except Saturdays, Sundays and federal holidays.
 

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