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I deposited my check yesterday mid morning and i needed it to be in there for the payment to clear that i had coming out for my glasses.My card was declined and now have to wait for two weeks before they will process my order again. what can i do
June 1, 2015 11:47:43 AM
In reply to Danielle, topsfield
Thanks for joining us on TD Helps, Danielle.
We'll be happy to answer any questions you may have regarding our funds availability policy and apologize in advance if there was any confusion.
Generally speaking, when making check deposits with a 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.
Please note that TD Bank also makes the first $100.00 available of your daily ATM check deposits immediately for accounts that are opened 90 days or greater. If your account is less than 90 days old, the first $100 of a check deposit made at a TD Bank ATM will be available to you on the first (1st) Business Day after the day of your deposit.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 PM EST 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 note that there are exceptions that may cause delays in funds availability. 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.
Hope this answer your question and have a nice day.
Brian M., Mount Laurel
June 1, 2015 11:48:18 AM