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April 1, 2017 08:50:46 AM
In reply to JNeil, Conway
Thanks for contacting TD Helps today, JNeil. This is a great question, and we'll be happy to help!
The type of deposit you make determines when the funds will be available. Direct Deposits are available on the same business day that they are credited to your account, even while they are in a pending status. Similarly, Cash Deposits made with a Teller are also made 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 may 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 may be credited to your account the following business day.
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 will 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.
To read the Funds Availability Policy and other important details, please visit https://go.td.com/1kb17UQ (pages 40-44).
If you would like to connect with someone directly to go over your account specifically, you may always speak with a Customer Service Representative, 24 hours a day, 7 days a week, at 1-888-751-9000. You may also visit your nearest TD Store location to speak with a Specialist in regard to your account. To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
We hope this information was helpful, JNeil. Please enjoy the rest of your day, and have a great weekend.
Customer Service Team, Mount Laurel
April 1, 2017 08:51:32 AM