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My husband and I just deposited a check from our homeowner's insurance company (Liberty Mutual) for almost $6000 into our checking account. We made the deposit at one of the local TD branches. How long should it take for all of the funds to show as available in our account?
December 28, 2015 02:29:07 PM
In reply to Johanna, Hampden
Welcome to TD Helps, Johanna. We'd be glad to discuss.
When making check deposits with a Teller, the first $100 is usually 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 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 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 make a 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 you make a deposit 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.
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.
If you have any questions or concerns about your deposit, we ask that you contact us directly 24/7 at 888-751-9000 or during lobby hours at a TD Store near you to speak with a Representative. For lobby hours and locations near you please visit http://bit.ly/TDStores.
We hope this helps, Johanna and have a good day.
Megan K, Mount Laurel
December 28, 2015 02:29:25 PM
In reply to Megan, Mount Laurel
Our account is not new. We have had this account for several years. Since we made the deposit at our local branch today at around 1:30 pm, does this mean that the full funds from this check should show as up as being available in our account by tomorrow?
December 28, 2015 02:42:58 PM
Welcome back, Johanna!
In regards to your specific deposit, we are unable to say for certain when your funds will be available. TD Helps is considered an unsecured forum. Because of this we do not have access to your account/personal information and would be unable to determine when your check will clear.
We recommend reaching out to the number mentioned above or visit a TD Store to discuss your deposit.
Thanks for your question today, Johanna and have a good afternoon.
Megan K, Mount Laurel
December 28, 2015 02:47:55 PM