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July 20, 2015 09:23:11 PM
In reply to PAMELA, IRVINGTON
Hey Pamela! Thank you for stopping by TD Helps and we appreciate you considering us for your banking needs.
We invite you to view and compare our Checking accounts, visit: http://bit.ly/1aDaRqd or check out our Checking Selector Tool: http://bit.ly/1vW1xnU for help with selecting a Checking account that is the best fit for your needs. Once you decide on the account type that best suits you, you're able to open the account online, over the phone or at any TD Bank Store during lobby hours.
To open the account online, click on the "Open Account" button beneath the account you choose and fill in the required fields. You can open an account over the phone 24/7 by calling our Banking Specialists at 888-751-9000. Once speaking with a Representative, they will be glad to open an account for you.
Please visit: http://bit.ly/TDStores to find TD Bank near you, if you choose to visit a Store.
Please know that regardless of the method you choose to open your account, you will need to have a valid photo I.D. handy to complete the opening process (Driver's License, Passport, Military I.D. etc.).
Knowing when your funds will be available is very important for account management. The type of deposit you make determines when the funds will be available. Direct Deposits are available on the same business day that they are credited to your account, even while they are in a pending status. Similarly, Cash Deposits made with a Teller are also made available the same business day for your use.
Check Deposits work a little differently, when you deposit a check, the first $100 is made available right way. If you are a new account holder and your account has not been open 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.
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. The funds will be credited on the following business day.
To read the Funds Availability Policy and other important details, please visit: http://bit.ly/1kb17UQ (page 35).
We hope this information was helpful and we hope to see you soon!
Customer Service Team, Mount Laurel
July 20, 2015 09:24:04 PM