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September 23, 2014 04:48:07 PM
In reply to Heather, Brick
We appreciate your question here on TD Helps, Heather!
The availability of your funds will depend on how you make the deposit: with a Teller, at the ATM or via Mobile Deposit. We'll be glad to go over each option with you.
If you deposit your paycheck with a Teller, the first $100 should be made available immediately. If you're account hasn't 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 the deposit, the rest of the funds will be credited to your account on the following business day.
If you make the deposit at a TD Bank ATM before 8:00 PM on a Friday, it will become available on Saturday. However, if it was made at an ATM after 8:00 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 Monday's deposit and will post to your account Tuesday. Accounts that are less than 90 days old will generally see availability of funds the next business day. Cash deposits done at the ATM are available right away.
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.
Hope this helps, Heather and enjoy the rest of your day.
Katherine G, Mount Laurel
September 23, 2014 04:50:12 PM