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Paul, Fresh meadows
August 4, 2017 12:07:17 PM
In reply to Paul, Fresh meadows
Happy Friday, Paul! Welcome to TD Helps.
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 work a little differently, and as you stated that this is the type of deposit you wish to make, we'll be happy to go over this in further detail with you.
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. 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 credit to your account on the following business day.
If you make a deposit through the ATM, the first $100 dollars is credited immediately, while the remainder of your deposit will be applied to your balance on the following business day. It's also important to note that the Mobile Deposit feature does not credit any funds initially, and the funds will 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).
In addition, if you wish to have your check deposited as cash, we recommend that you discuss this in further detail with your local TD Store location. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
Thanks for stopping by today, Paul. Have a great weekend.
Brittany M, Mount Laurel
August 4, 2017 12:07:43 PM