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.
Thomas, Palm Bay Fl
November 19, 2014 04:08:13 PM
In reply to Thomas, Palm Bay Fl
Thank you for reaching us on TD Helps, Thomas. We'd be happy to help determine if funds will be available from your deposit.
If you made a check deposit 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 can be held up to 10 business days for verification purposes. After this grace period, not only will the first $100 be made available at the time of the deposit, the rest of the funds will be credited to your account on the following business day. Cash deposits made with a Teller are made available immediately.
Deposits made at a TD Bank ATM 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. However, if you make a deposit at an ATM after 8 PM, or on a non-business day, we will consider that the deposit was made on the following business day. For example, if you made an ATM deposit on Saturday, that deposit will be considered made on Monday's business day and will post to your account on Tuesday. Accounts that are less than 90 days old will generally see availability of funds the following business day. Cash deposits made at the ATM are available immediately.
Please keep in mind that deposits made through mobile banking will not have the first $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Because there are exceptions that may cause delays in funds availability, 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.
We hope this helps, Thomas and have a great day.
Megan K, Mount Laurel
November 19, 2014 04:09:44 PM