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June 2, 2014 12:57:48 PM
18 people recommended this |
In reply to Aurea, Newark
Thanks for contacting us on TD Helps, Aurea.
Knowing when your funds will be available is very important for account management.
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 will credit 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.
To read the Funds Availability Policy and other important details, please visit http://bit.ly/1kb17UQ (page 35).
Hope it helps and have a great day.
Megan K, Mount Laurel
June 2, 2014 12:58:41 PM
9 people recommended this
In reply to Megan, Mount Laurel
So if I deposited a check today at 3:47 pm of over 1000.00 I should've had 100 available and the rest tomorrow morning?
November 18, 2014 05:16:15 PM
8 people recommended this
In reply to Marcus, Greenville
Thank you for joining the conversation, Marcus.
The $100 may be available, depending on how you made your deposit. If you would like to confirm your available funds on your specific deposit, we recommend contacting our Banking Specialists directly. You may do so 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours. For hours and locations near you please visit http://bit.ly/TDStores.
You may also want to take a look at our Funds Availability Policy found here http://bit.ly/1kb17UQ (pages 38-41) for additional details on when funds are made available.
We hope this helps, Marcus and have a good day.
Megan K, Mount Laurel
November 18, 2014 05:18:59 PM
2 people recommended this
I've recently been employed with a new company. I set up direct deposit with them. I received my pay stub yesterday but I have no received any of my funds as of yet. I called TD and they said they saw no pending transactions for my account for today or tomorrow but it could still randomly appear. why is my direct deposit taking so long?
emma, Little falls
May 14, 2015 08:33:01 AM
7 people recommended this
In reply to emma, Little falls
Welcome to TD Helps, Emma. We'll be glad to shed some light on direct deposits.
Typically, when a direct deposit is originated, it may take 1-2 pay cycles for the direct deposit to be credited to your account. Some employers will take the first pay cycle as a test and send a deposit with a zero dollar amount to ensure all of your account information is correct. After the first "test" deposit, then they send the deposit for the full dollar amount.
We recommend contacting your payroll department for information on the status of your deposit. If you have any other questions please let us know by submitting another question, by giving us a call 24/7 at 888-751-9000 or by visiting us at a TD location. To find a nearby Store please view: http://bit.ly/TDStores.
Enjoy your day, Emma and take care.
Colleen B, Mount Laurel
May 14, 2015 08:34:49 AM
1 person recommended this
hi its jay I Wondering I have put 201.05 for deposit for my checking. I have 765.56 dollars I suppose to have 865.05 lmk and tell me please thank u
Jayavaraman, Lowell ma
May 23, 2015 10:02:11 AM
In reply to Jayavaraman, Lowell ma
Good morning, Jayavaraman and thanks for writing in.
To best assist you with your balance and deposit inquiry, we recommend dialing us 24/7 at 888-751-9000 at your earliest convenience. Upon account verification, our Banking Specialist will be more than happy to go over your account with you and explain your account balance in details if needed. Please understand that we would like to assist you directly, unfortunately, we do not have access to your personal information since this is considered an unsecured forum.
Thanks again for visiting us today. Have a great holiday weekend, Jayavaraman!
LiShu R, Mount Laurel
May 23, 2015 10:03:56 AM
3 people recommended this
So if my checking account was negative, and I deposited cash into the ATM to get it out of the red even before 11PM would I still be charged an overdraft fee?
Danielle, Long Beach
July 29, 2015 01:05:19 PM
In reply to Danielle, Long Beach
Good to have you here with us, Danielle.
Generally speaking, cash deposits made at TD ATMs are available immediately. However, it must be made by 8:00 PM on a business day to cover the entire overdrawn balance in order to avoid any Overdraft fees.
Hope this helps and have a good one!
LiShu R, Mount Laurel
July 29, 2015 01:06:07 PM
In reply to LiShu, Mount Laurel
pls a direct deposit was made from FSNB to TD bank and up till now not yet showed in to my TD account pls how long dose it take before i can have it showed in my TD bank account
January 29, 2016 07:33:56 AM
In reply to owen, florida
Thank you for stopping by on TD Helps, Owen.
For electronic funds transfers or direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times. 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 have any additional questions, please feel free to reach out to our Banking Specialists 24/7 at 888-751-9000. You may also stop by your local TD Bank Store location for assistance. To find out the nearest TD Store near you, please visit, http://bit.ly/TDStores.
Hope this helps, Owen. Enjoy your weekend!
LiShu R, Mount Laurel
January 29, 2016 07:34:20 AM
I deposited a payroll check on Saturday at 3 pm it says on my online banking available march 21 but it hasn't reflected on my account how can I know wen it will be specifically available
March 21, 2016 12:32:04 PM
In reply to derrick, orlando
Thanks for joining us on TD Helps, Derrick. We'd be glad to discuss.
We recommend reading our reply to Aurea for more information as to how deposits credit to your account. Feel free to take a look at our Funds Availability Policy as we mentioned above.
Please know that TD Helps is considered an unsecured forum. Because of this we do not have access to your account/personal information. To learn more about your account and deposit specifically, we ask that you reach out to us directly.
You are able to call our Banking Specialists 24/7 at 888-751-9000. After account verification, our Specialists will be glad to answer any account specific questions you may have.
Similarly, you are able to visit us during lobby hours at any TD Store for help. To take a look at TD Stores near you please visit http://bit.ly/TDStores.
We hope this helps, Derrick and have a good day.
Megan K, Mount Laurel
March 21, 2016 12:32:16 PM
I am receiving a check direct deposit at 12 midnight how long until the funds appear in my account?
April 26, 2016 09:14:51 AM
In reply to Martin, Calgary
Thanks for joining us, Martin. We'd be glad to help.
If you're referring to an account you have with TD Bank in the U.S., we recommend taking a look at LiShu's reply to Owen to learn more about direct deposits and when they'll be available.
If you're referring to your TD Canada Trust account, we recommend reaching out to them directly for clarification. You are able to visit the Canadian TD Helps page by visiting here: http://go.td.com/1QBOF4U.
If you prefer, you are also able to reach out to a TD Canada Trust Representative directly. To take a look at the most convenient option for you, please visit here: http://go.td.com/1woOVay.
We hope this helps, Martin and have a good day.
Megan K, Mount Laurel
April 26, 2016 09:16:10 AM
If someone witha diffrent bank deposits money to my account how long does it take to clear?
May 2, 2016 04:41:05 PM
In reply to Sarahi, Mahwah
Thanks for joining the conversation, Sarahi! We'll be sure to address your funds availability question for you today.
As it would depend on the method that the depositor chooses to determine how long it would take for funds to clear your account, we recommend reviewing our original response to Aurea as it goes over the deposit methods and their time frames.
If you should have any specific questions regarding your account, please give one of our 24/7 Banking Specialists a call at 888-751-9000 or you can visit us at any TD Bank during lobby hours. Click here: http://bit.ly/TDStores to find a TD Bank near you.
We hope this helps, Sarahi and enjoy the rest of your day! Take care.
Katherine G, Mount Laurel
May 2, 2016 04:51:24 PM
I was approved for a small loan , it has been released to the bank but not in my account. How long does it take for a loan to process?
Tonya Bennett, Sunrise
June 5, 2016 12:49:57 PM
question I didn't get my direct deposit on 09/03/2016 my employer put the payroll in early due to the holiday labor day and all my other co-worker received there pay but me . I am the only one who banks with TD banking the rest have Chase. So does it take more time for TD bank to put the direct deposit that was put in by my employer I already been with TD bank for more the 3 months and my first direct deposit came in on 08/30/2016 my pay is every week Tuesday. But since the holiday my employer put the payroll in early so i'm just wondering whats going on
Johanna, New York
September 5, 2016 03:32:24 PM
In reply to Johanna, New York
Good afternoon, Johanna and thanks for coming to TD Helps today! We're sorry for any trouble with your deposit but are glad to provide some advice.
If 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. 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: https://go.td.com/1f9DSJR to find your nearest location.
In either instance, we recommend contacting your payroll department for information on the status of your deposit and to ensure it was paid to you as expected.
We hope we've been of help to you today, Johanna! Don't hesitate to check us out again, and have a wonderful day.
Shanika A, Mount Laurel
September 5, 2016 03:33:33 PM