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What does FM Deposit Hold - See SM mean?
December 20, 2017 01:50:38 PM
In reply to Michael, Bronx
Having access to your funds in a timely manner is important. We understand, Michael, and we'd be glad to shed some light on how deposits work!
The terminology you've described, 'FM Deposit Hold – See SM', is typically associated with a deposit that is being verified.
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.
You may also take 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.
Based on your question, it sounds as though the funds may take longer than the following business day to verify. Because of this, we recommend connecting with a Banking Specialist to review the deposit in detail.
You can connect with us 24/7 by dialing 888-751-9000, during lobby hours at any TD Store or via 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.
Please know that we would like to review your deposit specifically however TD Helps is considered an unsecured forum. Because of this, we do not have access to your account/personal information to help directly. We apologize for any inconvenience.
Our Specialists are looking forward to hearing from you, Michael. Have a great day!
Megan K, Mount Laurel
December 20, 2017 01:51:01 PM