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I put a check of four thoundsand dollars I want to know how long would it take to clear ?
October 21, 2017 01:57:32 PM
In reply to Miguel, Bronx
Good afternoon, Miguel.
This is a great question, and we'll be more than happy to help clear up any confusion.
Determining when the funds from a deposit may be available may vary depending on the type of deposit you initiated.
Direct Deposits are available on the same business day that they are credited to your account, even if they are still pending. Similarly, Cash Deposits made with a Teller are also made immediately available.
Check Deposits are a little different. When you deposit a check, the first $100 is made available right way. It's important to note that if you are a new account holder, and your account has not been open for 30 consecutive days, Check Deposits may be held for verification purposes. After this grace period, when a deposit is initiated, not only will the first $100 be made available at the time of deposit, but the rest of the funds may also credit 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, and the funds will be credited on the following business day.
We'd like to invite you to review our Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI. On pages 40-44 you can find our Funds Availability Policy.
As TD Helps is not considered a secure forum, if you would prefer to go over your deposit in further detail, you're more than welcome to contact us, and we'll be happy to help.
Our knowledgeable Banking Specialists are available to help 24 hours a day, 7 days a week, and can be reached by simply dialing 1-888-751-9000. Similarly, you're also welcome to visit your nearest TD Store location, during lobby hours, to speak with a Customer Service Representative. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a TD Store location, you may also send us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
We sincerely hope this helps, Miguel. Have a great weekend!
Brittany M, Mount Laurel
October 21, 2017 01:57:50 PM