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I deposited my second cheque six to seven business days ago. I believe it was on 12/12/2014. The first cheque I deposited at the beginning of the month went through and was deposited no problem. When I went to deposit the second cheque the teller told me he had to put a hold on it. He said five business days. Five. It is now 12/23/2014 and I am still waiting for it to go through. It has been over five business days.
December 25, 2014 04:01:01 PM
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In reply to Josh, Oakville
Thank you for joining us on TD Helps, Josh and we're sorry to hear about your experience. We'll be sure to shed some light on how checks clear.
When you make a check deposit with a Teller, the first $100 is made available right away. 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
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. Accounts that are less 90 days old will generally see availability of funds the next business day.
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.
For further questions about your deposit specifically, we ask that you contact us directly for assistance. You may call us 24/7 by dialing 888-751-9000 or by visiting a TD Store during lobby hours for help. For Store hours and locations near you please visit http://bit.ly/TDStores.
We've also noticed that you're writing to us from Canada. You can take a look to a question that is similar to yours that our Canadian TD Helps team has already answered here: http://bit.ly/1xgIDev. You also have the ability to submit your own unique question by following the mentioned link.
If you'd like to speak to a TD Canada Trust Representative, we ask that you visit their Contact Us page found here: http://bit.ly/1EklcHG.
We're sure that they would be more than happy to help with your concerns, Josh. Have a good day.
Megan K, Mount Laurel
December 25, 2014 04:02:39 PM