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I️ have a new account, if I️ go to a teller and deposit a check, how long will it take for all my fund to clear
Aliyah, Mount vernon
November 21, 2017 06:44:08 AM
In reply to Aliyah, Mount vernon
Good morning, Aliyah, and welcome to TD Helps!
We'd first like to take a moment to welcome you to the TD family! We're always happy to help answer any questions, and we'll gladly provide you with more information in regard to our funds availability.
It's first important to note that the type of deposit you make can determine when the funds will be available. Direct deposits are available on the same business day that they are credited to your account, even if they are still reflecting a 'Pending'. Similarly, cash deposits made with a Teller are also made available the same business day for your use.
Check deposits work a little differently. When you deposit a check, the first $100 is made available right way. 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.
If you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately while the remainder of your deposit will be applied to the balance on the following business day. Unlike the ATM, the Mobile Deposit feature does not credit any funds initially. The funds will be credited on the following business day.
If you'd like, you're welcome to check out TD Bank's Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI. On pages 40-44 you can find our Funds Availability Policy.
We sincerely hope this helps; however, if you have any additional questions, you're more than welcome to connect with us.
Our Banking Specialists can be reached by simply dialing 1-888-751-9000, 24 hours a day, 7 days a week. You also have the option of visiting your nearest TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a TD Store location, that's okay, as you would also have the option of sending us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
Thanks for bringing your question to TD Helps, Aliyah!
Welcome again to the TD family, and we hope you have an amazing start to your Tuesday!
Brittany M, Mount Laurel
November 21, 2017 06:44:47 AM