Small Business Banking
Private Client Group
Personal Financial Services
For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
I received a check deposit on monday and it hasn't been credited in my account i want to know when it will reflect
austin, Manhattan NY
July 9, 2015 12:18:06 PM
In reply to austin, Manhattan NY
Good afternoon Austin,
Thanks for joining us today and great to hear that you’re interested in learning about our deposit availability.
First, we'd like to let you know that when you deposit a check with TD Bank, either with a Teller or at the ATM, the first $100 is usually made available immediately. In general, the rest of the funds will be credited to your account on the following business date. Kindly note that the business date is determined by the day and time of your deposit.
If your deposit is 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. For example, during the week, a deposit on a Wednesday before 8:00 pm will typically result in funds available Thursday. For deposits made on the weekend, this usually means that the deposit will be considered Monday's business date and will post to your account (become available)Tuesday.
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.
To review your deposit in particular to determine when it might become available, you are more than welcome to get in touch with us. We're available 24/7 by phone at 888-751-9000, or during lobby hours at any TD Store listed here: http://bit.ly/TDStores.
Hope this provides some clarification, Austin.
If you have other questions, please just click on the 'Reply' button in the top right corner so we can continue to chat.
Have a great Thursday!
Kristen P, Mount Laurel
July 9, 2015 12:20:34 PM