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i deposited a check into my account on friday but it's not yet in my available balance, i only saw the same amount in the today's available balance. does that means the money is available to me?
October 9, 2017 12:00:27 PM
In reply to tom, Gastonia
Hi Tom. Thanks for coming to TD Helps with your question!
If you made your check deposit on Friday prior to our 8PM cutoff, it may have been available to you as early as Saturday morning. Most check deposits made prior to 8PM are made available the following business day. There are instances when we may have to hold a check for additional verification, but it is generally not for longer than one additional business day. If we're unable to verify the check and need to hold it for longer, we'll notify you in writing of the hold. You can review additional information about funds availability on pages 41-44 of the Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI.
If this check was deposited after 8PM, it is likely still on hold. Check deposits made after 8PM on Friday or over the weekend are generally processed on Monday when the Federal Reserve reopens, and made available on Tuesday morning. As today is a Federal Holiday, we are unable to process deposits made from 8PM Friday through today until tomorrow, making funds available Wednesday at the earliest.
We'd be happy to take a look at your deposit and advise whether it is available to you, and if not, when you can expect funds. As TD Helps is considered an unsecure forum, we do not have access to specific account information. Please give us a call 24/7 at 888-751-9000 or stop in to see us at a local TD Bank Store. To find one near you, please click here: https://go.td.com/1nq31dc. You can also send us your request by secure message through your online or mobile banking. To send a secure message, log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We can generally respond within 24 hours or less.
We hope to hear from you soon, Tom. Have a great day!
Candice A, Mount Laurel
October 9, 2017 12:00:43 PM