Small Business Banking
Private Client Group
Personal Financial Services
For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
August 18, 2016 01:52:10 PM
In reply to Eldad, montreal
Welcome to the TD Helps community, Eldad. We are happy to clear up any and all confusion regarding when your deposit will be fully available.
If you make a check deposit with a TD Bank Teller, the first $100.00 is made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, Check Deposits can be held up to 7 business days for verification purposes. After this grace period, not only will the first $100.00 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 check deposit at a TD Bank ATM before 8:00 PM on a business day are considered deposits made on that business day. A business day is every day except Saturdays, Sundays, and federal holidays. If you make a deposit at an ATM before 8 PM on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 8 PM, or on a day we are not open, we will consider that the deposit was made on the next business day.
If you make a check deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 p.m. ET on a business day, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. Your funds are generally available on the business day following the date of your deposit. Please keep in mind that deposits made through mobile banking will not have the first $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Please keep in mind that there are exceptions that may cause delays in funds availability, we invite you to look at our Personal Deposit Account Agreement here: https://go.td.com/1kb17UQ. On pages 35-37 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We are always here to help out, Eldad. Let us know if you have any other questions.
Kris M, Mt. Laurel
August 18, 2016 01:52:30 PM