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I deposited my check through mobile deposit on Friday, after 8 pm. How long will it take for my check to be deposited?
July 20, 2015 06:58:50 PM
In reply to Sungjoo, Centreville
We appreciate the question this evening!
Great to hear that you’re interested in learning more about our mobile deposit and funds availability.
When you deposit a check with TD Bank, either with a Teller or at the ATM, the first $100 is usually made available immediately. When using Mobile Deposit, kindly note that the first $100 won't be provided up front with this method. No matter how you make your deposit, though, all of the funds or any amount remaining are usually credited to your account on the business date following your deposit date. Please note that the deposit date is determined by the day and time of your deposit.
If your deposit is made at TD Bank before 8:00 pm on a business day, it would be considered a deposit for that business day. A business day is every day except Saturdays, Sundays, and federal holidays. For deposits made after 8:00 pm, these are considered to have been made on the following business day. With respect to your question in particular, if you made a mobile deposit after 8:00 pm on Friday, this means that your deposit is scheduled for Monday's business day and would usually become available for withdrawal on Tuesday.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account
has not been open for 30 consecutive days, check deposits can be held for up to 7 business days for verification purposes. We invite you to 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.
If you have questions about this at all, Sungjoo, then we encourage you to get in touch with us. One of our Specialists can help at any time at 888-751-9000, 24/7. We'll be able to explain thoroughly and answer any questions you have.
Thanks again for getting in touch – wishing you a great week ahead!
Kristen P, Mount Laurel
July 20, 2015 07:00:48 PM