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I have been with TD for almost 3 months and been on a negative balance for 45 days but i want to keep my account open and my uncle told me he will give me a check for the negative balance so i can keep my account... how long will it take for the check to clear?
March 27, 2015 11:05:26 PM
In reply to Janet, margate
Thank you for reaching us on TD Helps, Janet. We'd be happy to go over when checks clear.
When making check deposits with a Teller, the first $100 is usually 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 same 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 90 days old will have the initial $100 made available and generally see availability of funds the next business day.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
Also, if your checking account remains in an overdrawn status for 60 Calendar Days, or if at an earlier time we determine that the overdraft balance is noncollectable, we may close and place the account in collection status. For additional information, please check out pages 13 and 14 of our Personal Deposit Agreement by clicking here: http://bit.ly/1kb17UQ.
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.
If you have any questions or concerns about your deposit, we ask that you contact us directly 24/7 at 888-751-9000 or during lobby hours at a TD Store near you to speak with a Representative. For lobby hours and locations near you please visit http://bit.ly/TDStores.
We hope this helps, Janet and have a great night.
Cameron P, Mount Laurel
March 27, 2015 11:06:02 PM