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October 11, 2014 01:29:51 PM
In reply to casy, Toronto
Thank you for joining us here at TD Helps, Casy. You came to the right place for information.
When making check deposits with a Teller, the first $100.00 is 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 up to 7 business days for verification purposes. After this grace period, not only will the first $100.00 be made available at the time of deposit but the rest of the funds will credit to your account the following business day
Check deposits made at 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.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 p.m. ET on a business day, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. Your funds are generally available on the business day following the date of your deposit. Please keep in mind that deposits made through mobile banking will not have the first $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Because there are exceptions that may cause delays in funds availability, we invite you to look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ . On pages 35-37 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
Seeing you are located in Toronto Canada and just in case you are referring to your TD Canada Trust account, our friends across the border had a great conversation addressing your inquiry. Take a look here to see what Sarah said: http://bit.ly/111VoON. Also, our friends in Canada can assist you further if you have any other questions. Check out their page here: http://bit.ly/1kD3iFr.
We hope you find our answers helpful and please don’t hesitate to return to TD Helps if you have any further questions.
Justin B, Mount Laurel
October 11, 2014 01:33:47 PM