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I deposited a check drawn on my Citibank, N.A. account for $35,000 yesterday morning at about 9:00 am and as of today at 4:15 pm, my TD checking account indicates that $34,800 is still "pending"? Can you tell me why?
George, South Salemm, NY
November 30, 2016 01:12:29 PM
In reply to George, South Salemm, NY
Thanks for contacting TD Helps today, George. This is a great question, and we'll be happy to point you in the right direction.
Generally speaking, check deposits made 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 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 after 8:00 PM, or on a day we are not open, that deposit will be accepted for deposit on the following business day. For example, you made a deposit on Sunday; it will appear to be Monday's deposit and the funds will then be available to you Tuesday morning.
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: https://go.td.com/1kb17UQ. On pages 40-44, you can find our Funds Availability Policy along with information about when you'll have access to deposits.
If you have any additional questions or concerns, please feel free to contact us 24/7 at 888-751-9000, or stop by any of the TD Store locations in your area. To find a TD Store location near you, please visit: http://go.td.com/1f9DSJR.
Please let us know if you have any other questions, George. We hope you have a great day!
Customer Service Team, Mount Laurel
November 30, 2016 01:12:56 PM