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July 12, 2015 01:21:17 PM
In reply to Robert, York
Welcome to TD Helps, Robert.
Generally speaking, when making check deposits with a Teller, the first $100.00 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 7 business days for verification purposes. After this grace period, not only will the first $100.00 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Check 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. If you make a deposit at an ATM before 8 PM on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 8 PM, or on a day we are not open, we will consider that the deposit was made on the next business day.
Please note that there are exceptions that may cause longer 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.
Since you mentioned that you would like to transfer the funds externally, we'd like to let you know that TD Bank has placed limits on the amount available for external transfers for our Customers' protection, as well as our own. For the information on limits regarding this service, please check out this link: http://bit.ly/1pADlWD (Pg. 3. section 1.16). Generally, all customers are supplied with our Standard Limits for this service. The limit may be increased automatically based on your account history at the discretion of the bank. Also, your individual transaction limits are available once you log in to your TD Bank account online; please log in here: http://bit.ly/1eaISlq. Click on the information icon to the right of the amount box when entering this information for a transfer.
If you find you have any questions about our Transfer services, you're more than welcome to contact a Tech Support Specialist 24/7 at 800-493-7562, or stop in at any nearby TD Bank Store by finding a location here: http://bit.ly/TDStores.
With that being said, we would recommend that you visit any TD Bank Store nearby you, as you would be more than welcome to initiate a Wire Transfer while there. To do so, we recommend that you request the wiring instructions from the financial institution to which you are sending the funds before visiting a Store. In general, for a domestic wire you'll need the name, address and ABA/Routing number of the receiving bank, the name of the account to be credited, the beneficiary address and the account number.
Keep in mind that wire transfer fees may apply. For our current Fee Schedule please see here: http://bit.ly/1cTejgt. We would also recommend checking with the other financial institution to obtain information regarding any additional fees for their services.
If you have any questions at all, feel free to give us a ring 24/7 at 888-751-9000, and when calling this line we can also make an appointment for you at your preferred time and Store location, if you like!
We hope this information was helpful, Robert. Thanks for stopping by
Alara B, Mount Laurel
July 12, 2015 01:24:21 PM