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can i withdraw 20$ from my checking if my deposit is pending and im a new account holder
June 8, 2015 02:20:38 PM
In reply to Amira, Wilmington
Welcome to TD Helps, Amira. We'd be happy to help.
As you've mentioned that your deposit is pending, we'll first review Funds Availability with you!
When you'll have access to your deposit depends on how the deposit was made. 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.
Cash deposits are made immediately available at the time of deposit. Similarly, direct deposits are available at the time of deposit regardless if the funds are pending.
You may also take a 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.
You are able to make a withdrawal from your account if your available balance contains the funds available.
For further clarification, we ask that you contact us directly for assistance. You are able to call us 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours. To take a look at our Store locations and their hours please visit http://bit.ly/TDStores.
Please know 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, Amira and have a good day
Megan K, Mount Laurel
June 8, 2015 02:21:59 PM