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I just opened an account with td bank four days ago. So I made a deposit with my debit card but the opening amount hasn't reflect in my checking and savings account.
Adurayemi, Staten Island
May 24, 2017 01:10:11 PM
In reply to Adurayemi, Staten Island
Having funds available is key to using your account! We'd be glad to discuss this with you, Adurayemi.
The length of time your initial deposit takes to credit depends on how the deposit was made.
If you opened your account online and sent funds to your new account via an electronic funds transfer, these credits may take a few business days. In this instance, we recommend reaching out to the sending financial institution for clarification.
If you've made your initial deposit with a Teller, the first $100 is usually made available immediately. For new account holders whose accounts have 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 typically 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 made your initial 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 the deposit was made 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.
We recommend taking a look at our Personal Deposit Account Agreement here: http://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're still concerned about your account specifically, feel free to call us 24/7 at 888-751-9000, visit any TD Store or send a secure message. To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
To send a secure message using Online Banking, please sign in here: http://go.td.com/1eaISlq and select 'Send a secure message' located in the 'Message Center' on the left hand side of the page. For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in.
We hope this clears things up, Adurayemi. Have a great afternoon!
Megan K, Mount Laurel
May 24, 2017 01:10:28 PM