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I have a student checking account. If my account is less than 30 days old how long will it take for me to see my check in my account?
July 15, 2017 09:15:17 AM
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In reply to Nakomiah, Madbury
This is a great question, Nakomiah, and we're more than happy to help clear up any confusion.
The type of deposit you make determines when the funds will be available. Direct Deposits are available on the same business day that they are credited to your account, even while they are in a pending status. Similarly, Cash Deposits made with a Teller are also made available the same business day for your use.
Check Deposits work a little differently, when you deposit a check, the first $100 is made available right way. If you are a new account holder, and your account has not been open for 30 consecutive days, Check Deposits may be held for 7-10 business days for verification purposes. After this grace period, not only will the first $100 be made available at the time of deposit but the rest of the funds may be credited to your account on the following business day.
If you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately while the remainder of your deposit will be applied to the balance on the following business day. Unlike the ATM, the Mobile Deposit feature does not credit any funds initially. The funds will be credited on the following business day.
To read the Funds Availability Policy and other important details, we invite you to check out the link here: https://go.td.com/1kb17UQ, pages 40 to 44.
If you have any questions, Banking Specialists are always available at 1-888-751-9000, 24 hours a day, 7 days a week. You may also visit your nearest TD Store location during lobby hours to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you currently have access to your Online Banking, you may also send us a Secure Message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We hope this helped to clear up any confusion, Nakomiah. Enjoy the rest of your Saturday!
Brittany M, Mount Laurel
July 15, 2017 09:15:47 AM