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I MADE A MOBILE DEPOSIT ON FRIDAY, DICEMBER 22, OF $XXXX, THIS MORNING APPEARS AVAILABLE $100, AND XXXX NEEDS VERIFICATION, HOW LONG DOES IT TAKE TO CLEAR UP AND WHAT DOES THIS VERIFICATION MEANS
December 28, 2017 08:55:43 AM
In reply to ARLET, MIAMI
Welcome to TD Helps, Arlet.
This is a great question, and we'll be more than happy to clear up any confusion you may be experiencing with your mobile deposit.
Generally speaking, when a check is deposited to your account using a TD Bank ATM, or even by visiting one of our knowledgeable Tellers, the first $100 is made immediately available to you. However, when a mobile deposit is performed, the first $100 is not credited immediately, and the full amount of the deposit is typically made available on the following business day.
While funds from a mobile deposit are typically credited on the following business day, there are some instances where the funds may be held for a longer period of time, such as if the funds need to be verified. If you'd like to learn more about our funds availability, you're welcome to check out our Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI. Our Funds Availability Policy can be found on pages 40-44.
In addition to reviewing our Personal Deposit Account Agreement, you're also welcome to reach out to us directly, and we'll be more than happy to review your deposit with you.
Banking Specialists are here to help 24 hours a day, 7 days a week, and can be reached by simply dialing 1-888-751-9000. You would also, as always, have the option of also visiting a TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a Store location, that's okay, as you're always welcome to send us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We hope this clears up any confusion, Arlet!
Take care, and enjoy the upcoming New Year.
Brittany M, Mount Laurel
December 28, 2017 08:56:37 AM