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Sung Yeun, Waterloo
May 8, 2015 11:43:52 AM
In reply to Sung Yeun, Waterloo
We appreciate you coming to TD helps with your inquiry, Sung Yeun.
When you deposit a check, our funds availability does not change even if the checks deposited are postdated. Please note, once a deposit has been made, we may not stop the deposit from being processed.
A few things we'd like to share, TD Bank will provide you with the first $100 of your check deposit made with a teller available immediately. The rest of the funds are usually credited to your account on the following business day, which applies to paychecks as well as other types of checks alike.
If your deposit was made at TD Bank before 8:00 pm on a business day, it would be considered a deposit on that business day. A business day is every day except Saturdays, Sundays, and Federal holidays. Please note that for weekend deposits, this usually means that the deposit will be considered Monday's deposit and will post to your account Tuesday. Also keep in mind that if Monday of that week is a Federal holiday, the deposit is considered for Tuesday and will post to your account on Wednesday.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account has not been open for 30 consecutive days, check deposits can be held for up to 7 business days for verification purposes. We invite you to 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.
Additionally, noticing your location, if you are writing to us from Waterloo, Canada, we'd like to let you know that you’ve reached TD Bank here in the US. If this is regarding your TD Canada Trust account, we invite you to check out: http://bit.ly/1JU1rbP for additional details provided from our friend, Hung from up North. You may also wish to connect with them directly for options regarding your inquiry. They can be reached at: 1-866-222-3456, 24/7.
We hope this help, Sung Yeun. Have a wonderful day and let us know should you have any other questions.
Yen D, Mount Laurel
May 8, 2015 11:46:11 AM