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Sonia, Las Vegas
March 20, 2015 02:36:27 PM
In reply to Sonia, Las Vegas
Thanks for reaching out to us here on TD Helps, Sonia! We're glad you joined us and we're happy to review funds availability with you.
Usually, when you deposit a check with a Teller, the first $100 should be made available immediately. The rest of the funds are generally credited to your account on the following business day.
Please keep in mind that if your deposit was 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. As you mentioned that you may be making a deposit on a Friday, as long as it is made before 8:00 pm on that day, we will consider that the deposit was made for that date. The remaining funds would usually become available on Saturday morning, which is the beginning of the next business day (Monday).
If the deposit is made after 8:00 pm on Friday, or on Saturday or Sunday, this usually means that the deposit will be considered Monday's deposit and will post to your account 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.
We do recommend that you verify the availability of your deposit before spending or withdrawing the funds. Feel free to check via your online account by logging in here: http://bit.ly/1eaISlq, or give us a call! We'd love to hear from you and we're available 24/7 at 888-751-9000, or we invite you to visit us at our Stores, found here: http://bit.ly/TDStores.
We hope this clarifies it for you, Sonia. Any other questions, we welcome you to reply and have a great weekend.
Kristen P, Mount Laurel
March 20, 2015 02:38:49 PM