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January 2, 2016 09:00:27 AM
In reply to Christina, Newark
Hello Christina, welcome to TD Helps. We're glad to go over funds availability with you.
In most of the cases, when making check deposits with a Teller, the first $100.00 is 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 up to 7 business days for verification purposes. After this grace period, not only will the first $100.00 be made available at the time of deposit, but the rest of the funds may credit to your account the following business day. A business day is every day except Saturdays, Sundays, and Federal holidays. If you make a deposit 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 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.
Please note that there are exceptions that may cause delays in funds availability. We invite you to 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 additional questions or concerns, please feel free to contact us 24/7 at 888-751-9000 or stop by any of the TD Store locations in your area. To find out TD Store locations near you, please visit: http://bit.ly/TDStores.
We hope you find our answer helpful. Happy New Year to you, Christina!
LiShu R, Mount Laurel
January 2, 2016 09:00:48 AM