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For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
Chris, Long Island City
November 26, 2014 10:38:12 AM
In reply to Chris, Long Island City
Thank you for coming to TD Helps today, Chris! We'll be happy to answer any questions you may have about check deposits.
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.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 p.m. ET 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 $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Please note that there are exceptions that may cause delays in funds availability, we invite you to look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ . On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We hope this helps and please let us know if you have any questions, Chris. Have a good one!
LiShu R, Mount Laurel
November 26, 2014 10:39:25 AM
In reply to LiShu, Mount Laurel
It seems like if anyone ask a question about a check they get this exact word for word answer. It's a nice generalize automated response, but it's little to no help. Well that's my experience trying to find the answer to this question. Like let's say u deposit a check for 380$. I already know the first hundred dollars are available immediately. The actual question is if it is deposited on a Saturday will it clear Sunday? Yes or no?
August 1, 2016 06:23:30 AM
In reply to Hunter, Portland
Thank you for reaching out to us on TD Helps, Hunter. We understand wanting a less generic response in regards to your deposit availability.
If you deposit a check on a Saturday, it will not clear on a Sunday. All checks must be routing through the Federal Reserve. Due to this, weekends and holidays do not count as a business day and check deposits will wait to clear until the following business day.
This means that if you made your deposit on a Friday night or anytime over the weekend, that is considered Monday's banking day. Your check will post fully to your account on Tuesday. There are exceptions, of course. Large or unusual checks may be held longer for additional verification.
We are always here to help, Hunter. Let us know if you have any other questions.
Kris M, Mt. Laurel
August 1, 2016 06:24:30 AM