Small Business Banking
Private Client Group
Personal Financial Services
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l., New York
April 22, 2015 04:13:55 PM
In reply to l., New York
Thanks for reaching out to us today! We'll be happy to provide you with more information regarding our funds availability.
When making check deposits with a Teller or at a TD ATM, 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 the deposit, the rest of the funds will be credited to your account on the following business day.
Deposits that are made 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. Accounts that are less than 90 days old will generally see availability of funds the next business day.
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 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 other questions. Take care!
Colleen B, Mount Laurel
April 22, 2015 04:14:27 PM