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called the back earlier today in the morning and they said my check should clear by midnight but it still not there . What's going on? I had deposit my student refund check in my account they the ATM on November 7th because the bank was already close . I call the bank early today morning and they said my money would clear by midnight and it's still not there. What's going on ?
November 12, 2015 09:08:48 AM
In reply to kassandra, Philadelphia
Great to have you join us today on TD Helps, Kassandra.
The type of deposit you make determines when the funds will be available. Direct Deposits are available on the same business day that they are credited to your account, even while they are in a pending status. 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. After this grace period, 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.
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.
To read the Funds Availability Policy and other important details, please visit http://bit.ly/1kb17UQ (pages 38-41).
Please understand, as we would like to assist you directly, we do not have access to your personal information since this is considered an unsecured forum. So we may review your account with you (upon account verification), please call us 24/7 at 888-751-9000. You may also stop by your local TD Bank Store for assistance. Feel free to look here: http://bit.ly/TDStores for a listing of locations and hours.
Have a beautiful day!
Sandy D, Mount Laurel
November 12, 2015 09:15:37 AM