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October 20, 2015 10:28:00 AM
In reply to Veronica, Belleville
Thanks for stopping by the TD Helps Community, Veronica.
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 your account has been opened for 30 days, 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. Please note; funds may be made available on the same day upon request (if deposited with a Teller) if the funds are available in the check issuer's TD Bank account.
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.
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.
Generally speaking, for direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times and the funds will be available for use, such as for ATM withdrawals or debit card purchases, once processing is complete. We invite you to look at our Personal Deposit Account Agreement from the above link. On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
If at any time you wish to confirm if your direct deposit is available for you to use, please know you can always reach out to one of our dedicated Banking Specialists 24/7 at 888-751-9000. Upon proper account verification, we'll be more than happy to answer any banking-related inquires you may have.
We hope this information is helpful, Veronica. Have a great day!
Alara B, Mount Laurel
October 20, 2015 10:29:24 AM