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July 1, 2015 09:48:14 AM
In reply to Hailey, Pawtucket
Great question, Hailey and we're happy to provide you with more information!
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.
When making check deposits with a Teller, the first $100 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 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.
Deposits made 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 8:00 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 8:00 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are less than 90 days old will generally see availability of funds the next business day.
You may also take a 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.
To check the status of the deposit you're welcome to give us a call 24/7 at 888-751-9000 or visit a nearby TD location. For a listing of our locations and hours please view: http://bit.ly/TDStores.
We hope this helps, Hailey and have a great day!
Colleen B, Mount Laurel
July 1, 2015 09:49:01 AM