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October 29, 2014 09:52:52 AM
In reply to Fernando, Miramar
Thank you for visiting TD Helps today, Fernando. We will be glad to answer your question about funds availability.
When you deposit a check with a Teller, the first $100.00 is made available immediately. In general, the rest of the funds are available for withdrawal on the following business day. If you are a new account holder and your account has not been open for 30 consecutive days, please note that 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 next business day.
Check 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.
When making check deposits 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.
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.
If you'd like, you are more than welcome to call one of our friendly Banking Specialists 24/7 at 888-751-9000, who can review your deposit with you and determine the cause of the delay. Or, please stop in at any TD Bank Store nearby you; at http://bit.ly/TDStores please find a listing of our convenient locations.
If you have any other questions, please do not hesitate to ask!
Megan K, Mount Laurel
October 29, 2014 10:14:56 AM