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Hi, I have been with TD Bank for as long as I can remember. From when they took over the previous bank. I tried to deposit a check for $5029.75 and it said I was over the limit.
Can you tell me why?
June 23, 2015 09:41:45 AM
In reply to Norma, Methuen
Welcome to TD Helps, Norma. Thank you for submitting your question.
Based on your question it sounds like you are trying to make a mobile deposit. Mobile Deposit limits do depend on the length of your relationship with TD Bank. At this time, the limits to the amounts you can deposit using the Mobile Deposit features are as follows:
Account open for 3-6 months, deposit up to: - Daily Limit: $1,000 - 30-day Limit: $2,500
Account open for 6-12 months, deposit up to: - Daily Limit: $2,500 - 30-day Limit: $3,500
Account open for more than 1 year, deposit up to: - Daily Limit: $2,500 - 30-day Limit: $6,000
Please note; the limits may be subject to change and are in place for the security of your account. Additionally, the 30-day limit is rolling and does not follow the calendar month or the statement cycle. We invite you to take a look here: http://bit.ly/1e3jiYF for more information and to see the Frequently Asked Questions (FAQs) for TD Bank Mobile Deposit. We'd also be happy to answer any additional questions you may have about Mobile Deposit if necessary. Please call one of our Tech Support Specialists 24/7 at 800-493-7562 whenever it's convenient for you, or you're also welcome at any TD Bank Store near you; please see http://bit.ly/TDStores for your locations.
You'd be glad to hear that you are also able to deposit cash and checks at any TD Store or ATM. As you mention this is a larger check however, it may be subject to delayed availability and so we recommend that it be deposited with a Teller. Also, it is important to endorse the back of the check prior to depositing it.
If you do wish to deposit your cehck at an ATM, please note; the full amount of a check deposit made through the ATM before 8:00 PM will usually be available on the next business day. However, check deposits made through the ATM after 8:00 PM will be considered the next day's business and will post to your account on the following business day. If you make an ATM deposit after 8:00 PM on a Friday, that deposit is considered to be on Monday's business day and will post to your account on Tuesday. Also, if your account has been opened longer than 90 days, any deposits made at a TD ATM will have the first $100.00 of your daily check deposits immediately available in your account. If your account has not yet been opened for 90 days, please note that the first $100.00 will not be made available at the time of the deposit. However, longer delays may apply under certain circumstances; for more information, we recommend reviewing our Personal Deposit Account Agreement http://bit.ly/1kb17UQ. On pages 38-41 you can find our Funds Availability Policy for further details.
We hope this information is helpful, Norma. Have a great day!
Alara B, Mount Laurel
June 23, 2015 09:44:23 AM