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I like to know whether I can spend the money or not.
Eric K.C, Westbury
October 25, 2014 01:43:14 PM
In reply to Eric K.C, Westbury
Thank you for stopping by TD Helps, Eric K.C. We are happy to assist you with your deposit inquiry.
Generally speaking, when making a check deposit in US currency drawn from a financial institution in the US and is deposit at 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.
Please note that 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.
You mentioned that the check you deposited was issued by a bank in Hong Kong, China; therefore, it is considered as a foreign check. For funds availability, please refer to our Personal Deposit Account Agreement listed above and go to Page 41 for additional information.
Foreign Currency Checks must be sent for payment to our International Check Collections Department and must be a minimum of $100 U.S. currency value. Please note: The rates applied will be of the day and date funds are received and confirmed from the foreign bank. TD Bank uses its own rate of exchange, we do not use rates printed by newspapers or published online. Please note exchange rate fees will apply, we recommend confirming this fee amount upon your visit to the store.
If you would like us to review this further with you, we ask that you call us at 888-751-9000, 24/7 to speak with one of our Banking Specialists. After account verification they'd be more than happy to review your deposit with you. Additionally, you may visit any TD Bank Store to have your account reviewed in person. For a listing of TD Bank Stores please see here: http://bit.ly/TDStores.
You may also check your account balance via your Online Banking. If you are currently enrolled for our Online Banking, you would be able to view your balance online. You may also view the transactions as well. After you are logged onto your account, you may click on the “Accounts” tab at the top of the page and then click on the name of the account you want to view. Then select from the following drop down options “Last 10 days, My Current Statement, My Previous Statement or All Available History” and select the “Show History” button to the right of the screen.
If you're not currently enrolled and would like to take advantage of this free service you may click here: http://bit.ly/1lqyp6r. Please have your account number, ATM/debit card number and Social Security number available to complete the enrollment. The page will provide you with step-by-step instructions on how to complete the process. If you have any questions please call our Digital Banking Specialists 24/7 at 800-493-7562 for further assistance.
Also, you may obtain your account balance by dialing our 24/7 Automated Telephone Banking System at 1-800-937-2000.
If we can assist you again, please feel free to write to us anytime! We hope this helps and enjoy your day.
Justin B, Mount Laurel
October 25, 2014 02:18:30 PM