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September 22, 2014 08:12:28 AM
In reply to rickey, miami
Welcome to TD Helps, Rickey. We understand it is important to know when funds will be available in your account in order to manage your money and we are happy to answer your question.
When making check deposits 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 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.
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. Accounts that are less 90 days old, will generally see availability of funds the next business day.
The same rules apply if you make a Mobile Deposit. If your deposit is made before 8pm on a business day it will be made available the following day. If your deposit is made after 8pm on a business day or on any weekend or holiday, the next business day will be considered the deposit date. For example if you make a mobile deposit on a Saturday, the deposit date will be Monday, since that is typically the next business day; your funds would then generally be available on Tuesday. For more information, take a look here: http://bit.ly/1ff8byL (the deposit availability details are listed in sections 6 and 7).
You may also take a 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.
Let us know if this helps answer your question and have a great day!
Colleen B, Mount Laurel
September 22, 2014 08:14:53 AM
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