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December 16, 2014 10:52:12 PM
In reply to Kiara, Lawrence
Hey there, Kiara! Thanks for coming by TD Helps with your questions. We'll be happy to answer it.
When you make a check deposit with a Teller, the first $100 is made available immediately. However, 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 through 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 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 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. The first $100 of your check deposit is made available to you immediately for accounts opened longer than 90 days. The remaining amount is generally available on the next business day.
You also may use our TD Mobile Deposit feature if you have been a TD Deposit Customer for over 90 days. Using this feature you will generally enjoy next day funds availability. For more information regarding our TD Mobile Deposit including limits, please look at our FAQ: http://bit.ly/1e3jiYF .
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.
We hope this answers your questions and please let us know if you have any additional questions, Kiara! Take care and have a good one.
Katherine G, Mount Laurel
December 16, 2014 10:54:00 PM