Small Business Banking
Private Client Group
Personal Financial Services
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November 13, 2015 10:03:28 AM
In reply to Melinda, Manchester
That's a great question, Melinda and we'll be glad to review funds availability with you.
If you make a deposit either at a TD location or via Mobile Deposit prior to 8PM on a business day, the funds should be available the following business day. A business day is every day except Saturdays, Sundays, and Federal holidays. Please note that if you make the deposit with a Teller, we will make the first $100 available to you immediately however if you make the deposit via Mobile Deposit, the $100 will not be credited on the day of the deposit.
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.
We hope this helps, Melinda and please let us know if you have any other questions.
Colleen B, Mount Laurel
November 13, 2015 10:03:55 AM