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If somebody deposit money into my account. How soon can I have access to it
January 3, 2017 10:18:46 AM
In reply to Ralph, Wilmington
Thank you so much for reaching out to us on TD Helps, Ralph. We're happy that you are considering banking with us!
When making check deposits with a Teller, the first $100 is made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, check deposits may be held for up to 7-10 business days for verification purposes. After this grace period, not only will the first $100 be made available the same day of your deposit but the remaining amount of your check deposit will be credited to your account on the following business day. A business day is any day besides Saturday, Sunday and Federal Holidays.
When making a deposit at an ATM, if your account has been opened for 90 days or longer, any check deposit made will have the first $100.00 of your daily ATM deposits immediately available in your account. Please keep in mind, that if your account has not yet been open for 90 days, the first $100.00 of an ATM deposit will not be available for withdrawal at the time of your deposit.
Additionally, any deposits made through Mobile Banking will not have the first $100 available on the same business day. Typically, the full amount of your deposit will be made available the following business day. We invite you to visit: http://go.td.com/1e3jiYF for more details about mobile deposits.
We also recommend that you take a look at our Personal Deposit Account Agreement here: http://go.td.com/1kb17UQ. On pages 35-37 you can find our Funds Availability Policy along with information about when you'll have access to your deposit.
If you would like, you may speak with one of our dedicated Banking Specialists 24/7 at 888-751-9000. They'll be happy to let you know how this applies to your account specifically or review your deposit with you. You may also visit us during lobby hours at any nearby TD Bank Store, at http://go.td.com/TDStores.
We hope this helps, Ralph. Feel free to reach out to us at any time with any other questions.
Kris M, Mt. Laurel
January 3, 2017 10:18:59 AM