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I have been with the bank for 6 months.
tracy, new york
October 27, 2017 11:30:32 AM
In reply to tracy, new york
Good morning, Tracy, and welcome to TD Helps.
This is a great question, and we'll be more than happy to help.
To start, it's important to note that the type of deposit you make can determine when the funds will be available in your account.
Direct deposits, even if they are still reflected as 'Pending', are available on the same business day that they are credited to your account. Similarly, cash deposits are also made immediately available when deposited at a TD Store location with a Teller.
Check Deposits work a little differently. When you deposit a check, the first $100 is made available right way, while the remaining balance should be credited to your account on the following business day. If you are a new account holder, and your account has not been open for 30 consecutive days, check deposits may be held for 7-10 business days for verification purposes.
If you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately, while the remainder of your deposit may be applied to the balance on the following business day. Unlike the ATM, the Mobile Deposit feature does not credit any funds initially. The funds should be credited on the following business day.
If you'd like to learn more, you're welcome to review our Personal Deposit Agreement here: https://go.td.com/2nf0JAI. On pages 40-44 you can find more information on our Funds Availability Policy.
If you have any questions or concerns, or if you would prefer to go over your deposit with a Specialist, our Banking Specialists are always here to help, 24/7, and can be reached by simply calling 1-888-751-9000. Our Customer Service Representatives at any number of our Store locations are also happy to help, and are available during lobby hours. Feel free to use the link here: http://go.td.com/1f9DSJR.
We hope this clears up any confusion, Tracy, and please let us know if we can answer any additional questions for you.
Enjoy your weekend!
Brittany M, Mount Laurel
October 27, 2017 11:30:53 AM