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Hello, my mother bought a new home and borrowed the down payment from me. She sold her old home and received a check. She deposited it on Saturday. She wrote me a check to deposit in my account for the payback. Is there a way I can check to make sure her deposit has cleared before I deposit the check she has written me? She is traveling and doesn't use on line banking.
November 5, 2014 04:34:21 PM
2 people recommended this |
In reply to Denise, Epping
Thanks for coming by TD Helps, Denise. We understand your concern and would be happy to help.
Typically, when a check deposit is made, the first $100 is made available immediately, however; if this a new account that has not been open for 30 consecutive days, Check Deposits can 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 will credit to the account the following business day. Please note, check deposits totaling more than $5,000.00, the first $200 will be made available no later than the first business day after your deposit. For more information on our funds availability, please see here: http://bit.ly/1kb17UQ to view our Personal Account Agreement (pages 38-41 for more details).
If you are an authorize signer on your mother's account, you may check the status of the deposit by calling us at 888-751-9000, available 24/7. After account verification, our Specialists would be more than happy to help. You could also visit us at any TD Store during lobby hours. Please take a look here: http://bit.ly/TDStores for help locating a TD Store near you. You may also dial 800-937-2000 to reach our automated system. If this is the first time that you're using the automated system you will need your full account number and when it prompts you to enter your PIN, you will use the last four numbers of the primary account holder's Social Security number. You will then be asked to create your own PIN.
If you have Online Banking, you can also view your account balance. To check your account balance online, you must first be enrolled in Online Banking and you may do so here: http://bit.ly/1lU2qfY. In order to complete the enrollment, you'll need your account number, ATM/Visa Debit Card number, Social Security number and email address. If you have any trouble with the enrollment or you are missing one of the pieces of information needed to enroll you may contact us directly for help. You may do so 24/7 by dialing 800-493-7562, after account verification, we would be happy to help you enroll! Once you complete the necessary steps to enroll, you will have immediate access to your accounts and balances.
After you enroll in Online Banking, you now are able to use our Mobile Banking application. If you have a smartphone, you can download the application via this link: http://bit.ly/1wT5SbU. You can submit your phone number on the website and it will text the link to your smartphone for you to download. Your user name and password that you created for Online Banking is the same for the application. Again if you have any issues downloading the application or signing in, please contact our Digital Banking Specialists as mentioned above.
However; if you are not an authorized signer on the account, we are unable to provide personal account information for the security of the account holder. We recommend connecting with your mother for further information regarding her deposit if you wish to know this information prior to making a deposit.
We hope this helps, Denise. Please let us know if you have any further questions.
Yen D, Mount Laurel
November 5, 2014 04:36:10 PM