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my account in 2 days, and now it is 1 day. Can I ask if anything with TD Bank ? I thought the Loomis trucks collected checks but maybe they just use the scanned version now? Just curious why this changed after years of the same timing
July 2, 2015 12:01:42 PM
In reply to Michael, Bennington
Thanks for coming to TD Helps, Michael.
When depositing a check with TD Bank, either with a Teller or at the ATM, the first $100 is usually made available immediately. In general, the rest of the funds will be credited to your account on the following business date. If your check is valued at $25.00, when using either of these methods for deposit the funds from this check should be available right away. Kindly note that this will be applied to your account for the business date of the deposit, and the business date is determined by the day and time of your deposit.
If your deposit is made at TD Bank before 8:00 pm on a business day, it would be considered a deposit on that business day. A business day is every day except Saturdays, Sundays, and federal holidays. For example, during the week, a deposit on a Wednesday before 8:00 pm will typically result in funds available Thursday. For deposits made on the weekend, this usually means that the deposit will be considered Monday's business date and will post to your account (become available)Tuesday.
Please also keep in mind that funds deposited using TD Mobile Deposit will not be provided with the first $100 made available immediately, as with our ATM and teller deposits. Funds usually become available for withdrawal on the business day after the deposit date.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account has not been open for 90 consecutive days, the first $100 may not be available when using the ATM to make a deposit. We invite you to 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.
We also suggest contacting your financial institution to confirm any additional inquires you may have regarding their deposit policy.
Let us know if you have any other questions and have a nice day.
Brian M., Mount Laurel
July 2, 2015 12:02:09 PM