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Can a check hold be lifted early? I have a seven day hold of which there are three days left. I really need the money, so it would be great for me to get it now
Crystal, Myrtle Beach
May 14, 2016 12:41:11 PM
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In reply to Crystal, Myrtle Beach
Thanks for your question, Crystal. We'd be glad to discuss.
It sounds as though you recently made a check deposit. 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://go.td.com/1kb17UQ. On pages 40-44, you can find our Funds Availability Policy along with information about when you'll have access to deposits.
As you mention your account specifically, we recommend contacting us directly for assistance. You are able to call our Banking Specialists 24/7 by dialing 888-751-9000. Once speaking with them, they will be glad to discuss when your deposit will clear and any alternatives to using funds.
You are also able to visit any TD Store for assistance with your account. To take a look at TD Stores near you please visit http://go.td.com/1f9DSJR.
If you prefer, you're also able to send a secure message via Online Banking. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://go.td.com/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center."
Please know that that we would like to assist you directly however TD Helps is considered an unsecured forum and we do not have access to your account/personal information.
We hope this helps, Crystal and have a good day.
Megan K, Mount Laurel
May 14, 2016 12:41:30 PM