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The $100 was automatically given to me but how much longer will it take to get the rest of my funds?
May 25, 2015 10:45:02 AM
1 person recommended this |
In reply to Steve, Toronto
Welcome to the TD Helps community!
You might already be aware of our general availability policy. In many cases, when making a deposit with us we'll provide the first $100.00 of your deposit available right away, and the remaining funds on the business day after the deposit.
When making a deposit at one of our ATMs, if you make the deposit prior to 8:00 PM on a business day, it would be considered a deposit on that business day. A business day is every day except Saturdays, Sundays, and federal holidays. Since we're uncertain from your message when you made the deposit, for weekend deposits, this usually means that the deposit will be considered Monday's deposit and will post to your account Tuesday. Please keep in mind that if Monday of that week is a federal holiday, the deposit is considered for Tuesday and will post to your account on Wednesday.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account has not been open for 30 consecutive days, check deposits can be held for up to 7 business days for verification purposes. In addition, for deposits made at non-TD ATMs, a longer availability period may apply. 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.
We notice that you're writing in to us from Toronto, Steve. In case you bank with our partners at TD Canada Trust, please take a look at the response provided by our friend, Rachel that may help: http://bit.ly/1wF6AQ7. If you'd like to ask any additional questions feel free to reply on that page.
We hope this is the info you were looking for, Steve.
Enjoy your day!
Kristen P, Mount Laurel
May 25, 2015 10:47:19 AM
In reply to Kristen, Mount Laurel
Okay, it is now Wednesday and still don't have my funds? I made my deposit Saturday. Monday wasn't a federal holiday. I'm very confused.
May 27, 2015 11:00:47 AM
We appreciate you joining us this morning on TD Helps, Steve. We apologize for any confusion and will be happy to help.
As Memorial Day is considered a US Federal Holiday, check processing will take an additional business day to be available. To view our full holiday schedule please check out: http://bit.ly/1eMXGC5.
Typically, any check deposits that were made this past weekend should be available in your account on Wednesday, which is today, depending on your account status and how long the account has been opened. Longer delays may occur if the deposit was for a large sum or if your account is new. We invite you to view our Funds Availability starting on page 38 found here: http://bit.ly/1kb17UQ.
We'd be glad to review your account further with you, to do so, please contact us 24/7 at 888-751-9000 or you may visit a TD location during lobby hours. For a listing of our Stores please view: http://bit.ly/TDStores.
We hope this clears thing up a bit for you, Steve and have a great day!
Brian M., Mount Laurel
May 27, 2015 11:01:31 AM
In reply to Brian, Mount Laurel
I have had this account for a couple years, and I don't see why there should be anything about my account status? It is now Thursday, I have never had to wait this long for a check to clear.
May 28, 2015 10:45:55 AM
Thanks for the reply, Steve,
We do apologize for any confusion.
To check on the details of this deposit for you, we kindly ask that you give us a call. We're available 24/7 at 888-751-9000. You're also welcome at any of our Stores if you're in our area – please see http://bit.ly/TDStores. As TD Helps is a public forum we apologize that we can't review your account directly. In the previous message, we were able to provide a couple of possibilities but please note that we're uncertain as to the cause of this delay from here. However, we're positive that one of our Representatives can help you to learn more when we get in touch.
We hope this will get cleared up for you, Steve.
All the best and enjoy your day.
Kristen P, Mount Laurel
May 28, 2015 10:48:56 AM