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Anthony, Point Pleasant
October 18, 2014 10:31:40 PM
In reply to Anthony, Point Pleasant
Great question and welcome to TD Helps, Anthony.
We would like to take this opportunity to let you know that 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 with a teller or 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 before 8:00 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 after 8:00 PM, or on a non-business day, we will consider that the deposit was made on the next business day.
For example: if you make an deposit after 8:00 PM on a Friday, that deposit is considered to be on Monday's banking day and will post to your account on Tuesday. If Monday is a federal holiday, the deposit will post to your account on Wednesday morning.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 PM EST on a business day, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. Your funds are generally available on the business day following the date of your deposit. 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 35-37 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We hope this helps, Anthony and have a great weekend.
Luis C, Mount Laurel
October 18, 2014 10:32:35 PM