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November 13, 2014 03:55:29 PM
In reply to LaToya, Bridgeport
Great question, LaToya, and thanks for stopping by TD Helps for your answer. We are happy to assist you!
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 will credit to your account the following business day.
Check deposits made at a TD Bank ATM or with a bank teller before 8:00 PM on a business day are considered deposits made on that business day. A business day is every day except Saturdays, Sundays, and federal holidays. If you make a check deposit before 8 PM on a business day, we will consider that to be the day of your deposit. However, if you make a deposit after 8 PM on a non-business day, we will consider that the deposit was made on the next business day. For example, if you make a check deposit after 8:00 PM on a Friday, that deposit is considered to be on Monday's banking day and will post to your account on Tuesday. Anytime a holiday falls on a Monday, the deposit will post to your account on Wednesday morning.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 p.m. ET on a business day, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. Your funds are generally available on the business day following the date of your deposit. Please keep in mind that deposits made through mobile banking will not have the first $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Because 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.
We hope this information answers all your questions. Please let us know if should you have any further questions. Have a great rest of your day!
LiShu R, mount laurel
November 13, 2014 03:57:15 PM
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