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November 14, 2014 12:07:19 PM
In reply to simone, washington
Welcome to TD Helps, Simone. We're glad to go over funds availability with you.
Generally speaking, 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.
There are multiple ways that you can self-check to determine if the funds have been made available to you to make a withdrawal.
If you are already enrolled for our Online Banking, you would be able to view your TD account balance online right after logging on to your account. You may also view the transactions as well. Please login to your account here: http://bit.ly/1eaISlq, and you'll immediately be shown the Accounts page, where you can view your current balances. If you'd like more information, click on the individual account to view recent activity.
If you're not currently enrolled and would like to take advantage of this free service you may click here: http://bit.ly/1lqyp6r. Please have your account number, ATM/debit card number and Social Security number available to complete the enrollment. The page will provide you with step-by-step instructions on how to complete the process. If you have any questions please call our Banking Specialists 24/7 at 888-751-9000 for further assistance.
If you have a Business account with us and are looking to enroll for TD Bank BusinessDirect, we can help too! Please follow this link: http://bit.ly/1dl2HX6. Once you’re at the “Sign Up for TD Bank BusinessDirect” page, please complete the application. You will need your Business Taxpayer Identification Number, account number, ATM/Debit card number, the business name, and your email address. When you are finished with the application, you will receive an email confirmation within 2 business days that contains your User ID and Password. In case you don't have a debit card or would like to have immediate access to online banking, you could visit your local TD Bank Store for help. For hours and locations near you, check out: http://bit.ly/TDStores.
Please note, you can also access up-to-the-minute account balance and transaction information 24 hours a day/7 days a week by calling our automated banking system (IVR) at 1-800-937-2000, contacting our dedicated Banking Specialists 24/7 at 888-751-9000, or by visiting one of our convenient locations near you.
We hope this provides some help. Let us know if you have any other questions
LiShu R, mount laurel
November 14, 2014 12:08:58 PM