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April 8, 2015 04:29:27 PM
In reply to Catie, Stratford
Welcome to TD Helps, Catie. We'd be happy to review how checks clear.
When making check deposits with a Teller, the first $100 is usually 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 your account has been opened for 30 days, not only will the first $100 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Deposits made at a TD Bank ATM before 8:00 PM on a business day are considered deposits made on that same business day. A business day is every day except Saturdays, Sundays, and Federal Holidays. If you make a deposit at an ATM before 8:00 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 8:00 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are 90 days old will have the initial $100 made available and generally see availability of funds the next business day.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
You may also take a 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.
Please know that you are able to withdrawal the first $100 that we make available at the time of deposit either with the Teller or at the ATM. If you would like to debit an amount greater than the first $100, you may have to wait until the check fully clears as listed above. We recommend asking your Teller at the time of the deposit for further details.
If you have any questions or concerns about your deposit, we ask that you contact us directly 24/7 at 888-751-9000 or during lobby hours at a TD Store near you to speak with a Representative. For lobby hours and locations near you please visit http://bit.ly/TDStores.
Thank you for stopping by, Catie and have a great afternoon.
Megan K, Mount Laurel
April 8, 2015 04:31:16 PM