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I just deposited a check via mobile app. Usually money will go into the account the next day, but tomorrow is a holiday. I deposited before 8pm today, so I know the deposit is effective today, but I'm confused what happens when you deposit a day before a holiday.
November 10, 2015 07:13:04 PM
In reply to Robert, Melrose
Good evening, Robert. Welcome to TD Helps. We're glad to go over funds availability with you.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 p.m. ET on a business day, that is considered the date of your deposit; otherwise, the next business day is considered the date of your deposit. A business day is every day except Saturdays, Sundays, and federal holidays. Your funds are generally available on the next business day following the date of your deposit. Please keep in mind that deposits made through mobile banking will not have the first $100 available on the same business day. In most cases, the full amount becomes available the following business day.
Please note that there are exceptions that may cause delays in funds availability, we invite you to 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 additional information about when you'll have access to deposits.
We hope you find this information helpful. Have a great night!
Justin B, Mount Laurel
November 10, 2015 07:13:57 PM