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October 29, 2015 10:10:28 PM
In reply to Jingu, Reno
Thank you for coming by TD Helps tonight, Jingu! We'll be sure to provide some information for you this evening.
We do apologize as mobile deposit can only be used by our customers who have been with us more than 90 days. Additionally, foreign checks can only be deposited into a TD Bank account through a teller as well.
We invite you to take a look at what accounts we currently offer by clicking here: http://bit.ly/Wczmq0 for a list of checking accounts and here: http://bit.ly/1pJT9I9 for a list of our savings accounts. For a personalized recommendation for a checking account click here: http://bit.ly/1vW1xnU or if you prefer, we also have a Savings Selector Tool http://bit.ly/1vW1DvM ;which can help you choose the best savings account for your needs.
Once you've found the account(s) that best suit your needs, feel free to give us a call 24/7 at 888-751-9000 at your earliest convenience. If you will be within our footprint (Maine to Florida,) once you've established your account, if you'd like to deposit the foreign check, we invite you to review some helpful information we have listed below before making this deposit:
-The international check must have an equivalent value of at least US $100.00.
-Rates used for currency conversion are provided by TD Bank traders. We do not use rates printed by third parties in newspapers or published online.
-For your protection, the item should be hand delivered to a Store and not mailed. Please do not deposit foreign checks by using the ATM or via Mobile Deposit.
-The conversion rate applied will be on the day the check is received in the Foreign Check Collection department. Additionally, fees may apply for the deposit of a foreign item. If you'll be depositing the check into a personal account with TD Bank, please take a look at our current Fee Schedule here: http://bit.ly/1cTejgt.
Please note that there are exceptions that may cause delays in funds availability. We invite you to look at our Deposit Account Agreement here for personal accounts: 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. For foreign check deposit funds availability, please refer directly to page 41 for additional information, and please note that funds availability may be delayed for new account holders as well.
We hope this answers your question and enjoy the rest of your night, Jingu!
Katherine G, Mount Laurel
October 29, 2015 10:12:21 PM