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My job does its banking with TD. Will there be a 24 hour hold on my paycheck, as I also bank with TD?
June 17, 2016 11:53:49 AM
In reply to Larry, Interlachen
Thanks for contacting TD Helps today, Larry.
When making check deposits with a Teller, 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 deposit but the rest of the funds will credit to your account the following business day.
If your check deposit is made before 8pm it will be made available the following business day. If your deposit is made after 8pm on a business day or on any weekend or holiday, the next business day will be considered the deposit date. For example if you make a mobile deposit on a Saturday, the deposit date will be Monday, since that is typically the next business day; your funds would then generally be available on Tuesday. Since Friday is also a business day, the funds would be available on Saturday. We invite you to visit: http://go.td.com/1e3jiYF for more details about mobile deposits.
Additionally, if you have a check that you are looking to deposit, and it is drawn on TD Bank, you should have the option of depositing this check into your account as cash. If you choose to have this done, the check would be made available in your account right away. Just simply request to have your check deposited as cash when speaking with a teller before making the official deposit.
You may also take a look at our Personal Deposit Account Agreement here: http://go.td.com/1kb17UQ. On pages 40-44 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
We hope this helps, Larry, and please enjoy the rest of your day.
Customer Service Team, Mount Laurel
June 17, 2016 11:54:12 AM