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I deposited two checks today and I don't have the 100$ available funds ready from it and it's not showing up in my account as pending?
May 6, 2016 08:27:40 PM
In reply to Arlen, Bayville
Thank you for reaching us on TD Helps, Arlen. We'd be happy to review our funds availability with you.
When your funds will clear depends on how you've made your deposit. When you make a check deposit with a Teller, the first $100 is made available immediately and the rest of the funds typically clear the following business day. The same applies for deposits made at the ATM as long as your account has been open for 30 consecutive days. Checks made with Mobile Deposit on the other hand, will not make the first $100 dollars available immediately; however they are typically available the following business day.
Please note, 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.
If your check deposit is made before 8pm it will be made available the following business day. If your deposit is made after 8pm on a business day or on any weekend or holiday, the next business day will be considered the deposit date. For example if you make a deposit on a Saturday, the deposit date will be Monday, since that is typically the next business day; your funds would then generally be available on Tuesday. Since Friday is also a business day, the funds would be available on Saturday.
You may like to 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 when you'll have access to deposits.
We hope this helps clear up any confusion, Arlen and have a great day.
Shanika A, Mount Laurel
May 6, 2016 08:34:51 PM