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Brianna, East Meadow
July 1, 2015 12:49:02 PM
In reply to Brianna, East Meadow
Welcome to TD Helps, Brianna. We'd be glad to help you determine when you're funds will clear.
Pending verification means that your deposit is being verified by TD. The length of time it takes for a deposit to become available depends on how the deposit was made.
When making check deposits with a Teller, the first $100 is usually made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, check deposits can be held for 7-10 business days for verification purposes. After your account has been opened for 30 days, not only will the first $100 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Deposits made at a TD Bank ATM before 8:00 PM on a business day are considered deposits made on that same business day. A business day is every day except Saturdays, Sundays, and Federal Holidays. If you make a deposit at an ATM before 8:00 PM on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 8:00 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are 90 days old will have the initial $100 made available and generally see availability of funds the next business day.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
You may also take a look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ. On pages 38-41, you can find our Funds Availability Policy along with information about when you'll have access to deposits.
If you have any questions or concerns about your deposit, we ask that you contact us directly 24/7 at 888-751-9000 or during lobby hours at a TD Store near you to speak with a Representative. For lobby hours and locations near you please visit http://bit.ly/TDStores.
We hope this clears things up, Brianna and have a good day.
Megan K, Mount Laurel
July 1, 2015 12:49:52 PM
1 person recommended this
In reply to Megan, Mount Laurel
I still don't get it.
June 9, 2017 10:29:52 AM
In reply to Joseph, Brisbane
Welcome to the conversation, Joseph.
If you're still having trouble understanding Funds Availability, we recommend reaching out to a Banking Specialist directly for further clarification.
You are able to reach us from outside the U.S. by dialing 856-751-9000 or 215-569-0518 collect from any landline telephone. Our Specialists will be glad to answer any questions you may have!
If you prefer not to call and are enrolled in online or mobile access, you are able to send us a secure message with questions. To send a secure message using Online Banking, please sign in here: http://go.td.com/1eaISlq and select 'Send a secure message' located in the 'Message Center' on the left hand side of the page. For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in.
We hope to discuss your concerns in greater detail soon, Joseph! Enjoy your day!
Megan K, Mount Laurel
June 9, 2017 10:30:02 AM