Small Business Banking
Private Client Group
Personal Financial Services
For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
I deposited a $500 check on Sunday and it still hasn't clear ? Today is Monday and is not a holiday when would my check be clear ?
Simon, New York
August 23, 2016 06:44:41 AM
In reply to Simon, New York
Welcome to TD Helps and thank you for sending us your question, Simon.
Generally speaking, 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 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 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.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 PM EST 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.
Please note that there are exceptions that may cause delays in funds availability. We invite you to 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.
If you have any additional questions or concerns, please feel free to contact us 24/7 at 888-751-9000 or stop by any of the TD Store locations in your area. To find out TD Store locations near you, please visit: http://go.td.com/1f9DSJR. In addition, if you are enrolled for online banking, you may send a secure message from 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." If you are enrolled for our BusinessDirect online banking, you may use this link to logon here: http://go.td.com/1rvBmq8 and send a secure message.
Hope this helps, Simon. Have a fabulous day!
LiShu R, Mount Laurel
August 23, 2016 06:45:12 AM