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January 3, 2017 11:20:16 AM
2 people recommended this |
In reply to Rene, Miami
Thanks for joining TD Helps today, Rene. We'll be happy to point you in the right direction.
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 may be credited 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.
We invite you to look at our Personal Deposit Account Agreement here: https://go.td.com/1kb17UQ. On pages 40-44 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We'd also like to share with you that there are multiple ways that you can check your account balance and transactions to determine if you have received this direct deposit by yourself. Ways also includes calling us directly at the number provided above or visiting us at your local TD Store. Additionally, if you are currently enrolled for our Online Banking, you would be able to view your direct deposits and balances online. You may also view the transactions as well. After you are logged onto your account, you may click on the “Accounts” tab at the top of the page and then click on the name of the account you want to view.
If you're not currently enrolled and would like to take advantage of this free service you may click here: https://go.td.com/1lU2qfY. Please have your account number, ATM/debit card number and Social Security number available to complete the enrollment. The page will provide you with step-by-step instructions on how to complete the process. If you have any questions please call our Banking Specialists 24/7 at 888-751-9000 for further assistance.
Also, you may obtain your account transactions and balance by dialing our 24/7 Automated Telephone Banking System at 888-751-9000. You may press 0 to speak with a live Banking Specialist, who may also review your account details.
We hope this helped, Rene. Enjoy the rest of your day, and Happy New Year!
Customer Service Team, Mount Laurel
January 3, 2017 11:21:16 AM
1 person recommended this