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I took a partial withdrawal from my annuity from another financial institution. How long will it take for the check to clear
Maryann, Fort Myers
November 29, 2017 12:08:03 PM
In reply to Maryann, Fort Myers
It's great to hear from you this afternoon, Maryann.
We appreciate you bringing your concerns to TD Helps.
Before we begin, we'd first like to take a moment to let you know that while we're always happy to help answer any questions or concerns, TD Helps is not considered a secure forum of contact. Because of this, we are unfortunately unable to access your account to determine what type of deposit you may have made into your TD Bank account; however, we'll still be happy to help.
It's first important to note that the type of deposit you make, as well as the amount, can determine when your funds may be available. Direct deposits are available on the same business day that they are credited to your account, even if they are still reflecting as 'Pending'. Similarly, cash deposits made with a Teller are also made available the same business day for you to 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 may be held for 7-10 business days for verification purposes.
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.
If you'd like, you're welcome to check out our Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI for more information. On pages 40-44 you can finds our Funds Availability Policy.
While we are unable to review your account with you specifically, our Banking Specialists are always happy to help, and can be reached by simply dialing 1-888-751-9000, 24/7, or if you'd prefer, you may also visit a TD Store location. Our Customer Service Representatives are available to help during lobby hours, and to take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a TD Store location, don’t worry, as you always have the option of sending us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We sincerely hope this helps, Maryann.
Enjoy the rest of your day!
Brittany M, Mount Laurel
November 29, 2017 12:08:23 PM