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I deposited a check yesterday morning. $100 was made available but the rest still hasn’t cleared. How long do I have to wait?
December 8, 2017 07:45:32 AM
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In reply to Gabrielle, Washington
Welcome to TD Helps, Bonnie, and happy Friday.
We apologize for any confusion you may be experiencing with your deposit, and we'll be more than happy to help.
First, we'd like to take a moment to explain in a bit more detail that the type of deposit you make can determine when your funds may be available.
Direct deposits are available on the same business day that they are credited to your account, even if they are still reflecting as 'Pending'. Similarly, cash deposits made with a Teller are also available the same business day for your use.
Check deposits; however, work a little differently. When you deposit a check, the first $100 is made available right way. 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.
If you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately, while the remainder of your deposit may be applied to the balance on the following business day. Unlike the ATM, the Mobile Deposit feature does not credit any funds initially. The funds may be credited on the following business day.
If you'd like, you're more than welcome to review our Personal Deposit Account Agreement to learn more. Our Funds Availability Policy and other important details can be found on pages 40-44, and to access this agreement, you may use the link here: https://go.td.com/1kb17UQ.
As a friendly reminder, we're here to help if you have any questions or concerns, or if you'd like to discuss your account or deposit directly. Banking Specialists can be reached by simply dialing 1-888-751-9000, 24 hours a day, 7 days a week. You may also visit a TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
We hope this helps, Bonnie.
Take care, and enjoy your weekend.
Brittany M, Mount Laurel
December 8, 2017 07:45:56 AM