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April 30, 2015 02:24:03 PM
In reply to Irene, Toronto
We apologize for any confusion, Irene. We'd be happy to review funds availability with you.
When making check deposits with a Teller, the first $100 is usually 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 for 7-10 business days for verification purposes. After your account has been opened for 30 days, not only will the first $100 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
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.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
You may also take a 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.
If you have any questions or concerns about your deposit, we ask that you contact us directly 24/7 at 888-751-9000 or during lobby hours at a TD Store near you to speak with a Representative. For lobby hours and locations near you please visit http://bit.ly/TDStores.
We've also noticed that you're writing to us from Canada. Our friends on the Canadian TD Helps Team have answered a similar question to yours found here: http://bit.ly/1OIVIsF. If you do not find their reply helpful, feel free to submit your own question by following the link.
If you prefer to speak with a Representative directly, feel free to contact a TD Canada Trust Representative directly. For their contact information, please visit their "Contact Us" page found here: http://bit.ly/1woOVay.
We hope this information helps, Irene and have a good afternoon.
Megan K, Mount Laurel
April 30, 2015 02:24:41 PM