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Karen, Cortlandt Manor, NY
October 16, 2014 03:55:35 PM
In reply to Karen, Cortlandt Manor, NY
We appreciate you joining us on TD Helps today and welcome to the TD Family, Karen. We would be happy to help!
You may make the initial deposit in any way that you choose. We would like to take this time to inform you of our funds availability. Cash deposits will be made available to your account immediately. When making check deposits with a Teller, the first $100 is made available immediately, however; if you are a new account holder of an account that has not been opened 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. For help locating a TD Store near you, please take a look here: http://bit.ly/TDStores.
If you have a TD debit card and you are making your initial deposit via a TD ATM, deposits made before 8:00 PM on a business day are considered deposits made on that business day. A business day is every day except Saturdays, Sundays, and federal holidays. If you make a deposit at an ATM before 8 PM on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 8 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are 90 days old will generally see availability of funds the next business day.
You may also take a look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ . On pages 35-37 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We hope the information provided help, Karen. Let us know if you have any further questions.
Cameron P, Mount Laurel
October 16, 2014 03:56:41 PM