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I deposited a check yesterday at 10PM and none of it has cleared yet. When I look at my account history, it says $0 for pending. But when I click on pending, it shows the full check amount pending. I've never had to wait more than a few hours for a check to clear so I'm not sure what's going on.
December 17, 2014 07:32:37 PM
1 person recommended this |
In reply to Kailin, Amherst
Thank you for joining us tonight, Kailin. We'd be happy to help.
We understand it is important to know when funds will be available in your account in order to manage your money and we are happy to answer your question.
When making check deposits with a Teller, the first $100 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 for 7-10 business days for verification purposes. After this grace period, 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 business day. A business day is every day except Saturdays, Sundays, and federal holidays. If you make a deposit at an ATM before 8 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 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 less 90 days old will generally see availability of funds the next business day.
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 further questions about your specific deposit, we ask that you contact us directly. You may do so 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours. For Store hours and locations near you please visit http://bit.ly/TDStores.
We hope this helps, Kailin and have a good night.
Megan K, Mount Laurel
December 17, 2014 07:33:14 PM