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., Whether you need to view your statements, pay bills, track balances, set up e-mail alerts or transfer money, My TD is the quickest, easiest way to access your accounts., Welcome to TD Bank! Explore our banking services, credit cards, loans, home lending, and other financial products for you and your business..