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October 28, 2014 06:37:04 PM
11 people recommended this |
In reply to Tiffany, Holbrook
Welcome to TD Helps, Tiffany. We'd be happy to address your concerns!
Usually, checks that are more than six months old are considered "stale dated." Please also keep in mind that some business checks (such as payroll checks, government checks, etc.) have a specific expiration date listed on the check, which limits or extends the time period when the checks can be cashed or deposited.
If you are referring to the checks you have for your own Checking account, please note; your checks are valid as long as your Checking account information remains the same. If you write the check and it becomes stale dated, in some cases these may still be negotiated by the Bank. We can suggest that you contact the individual or business you've written the check to.
Please note that in the instance your check is deposited by the payee and the funds are not available, the deposited check could be returned and fees may apply.
However; if you do not want this check to be negotiated, we do recommend placing a stop payment to ensure that the funds are not paid. You can place a stop payment anytime by calling us at 888-751-9000. You can also place a stop payment online by first logging onto your TD Bank Online Banking account. If you're not currently enrolled for Online Banking, you may do so by clicking: http://bit.ly/1lU2qfY. You will need your account number and ATM/debit card number to enroll online. Once you're logged in, please click on the "Customer Service" tab and then "Stop Payment." If you need assistance enrolling, please contact our Digital banking Specialists, available 24/7, at 1-800-493-7562. After account verification, our Specialists would be more than happy to help!
Once you have successfully enrolled, to please a stop payment, please log onto your Online Banking, and then click the “Customer Service” tab at the top of your screen. Please click the second blue link from the top in the right hand column that says “Stop Payment.”
In order to ensure the effectiveness of a stop payment, we require that you provide us with the following information when the stop is placed:
1. Check number
2. Date on check
3. Dollar amount
Please note, stop payments are effective for 12 months from the date the stop payment is placed. Also, depending on the type of account you have, it is possible that any stop payment fee may be waived.
Please review our Fee Schedule at http://bit.ly/1cTejgt for information on fees that may be occur in instances where a Stop Payment is placed or if the check is processed and the funds are not available.
Should you have any questions at all, our friendly Customer Service Representatives are available 24/7 at 1-888-751-9000 to assist you, or you are always welcome at our TD Bank Stores. Please see http://bit.ly/TDStores for a listing of our locations and hours near you.
We hope this helps, Tiffany and if you have any further questions, please let us know.
Sandy D, Mount Laurel
October 29, 2014 08:10:29 AM
7 people recommended this