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November 27, 2014 12:15:30 PM
In reply to Catrina, Portland
Thanks for contacting us on TD Helps, Catrina. Knowing when your funds will be available is very important for account management.
Generally speaking, for direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times once processing is complete. 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.
If you've just started your direct deposit with your employer and haven't received a deposit yet, please keep in mind that direct deposits generally take 1-2 payment cycles to begin. Usually, employers will test the account first with a zero dollar deposit to make sure all your account information is correct.
Just in case that you've already been receiving your deposit and it wasn't made as expected, you're welcome to give a Customer Service Representative a call at 888-751-9000. After account verification, our Banking Specialist can contact our ACH Department for more information on your direct deposit. Please keep in mind, our ACH Department is open Monday – Friday between 8:30 AM – 5:00 PM on normal business days. Or if you'd like, feel free to visit at any nearby TD Bank Store to have one of our Representatives look into it for you. Please see: http://bit.ly/TDStores to find your nearest location.
We hope the information provided help. Let us know if you have any further questions.
LiShu R, Mount Laurel
November 27, 2014 12:16:32 PM