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My $100 has been deposited into my account from my deposited check. Is it guaranteed that the rest of the check is going to be available in my account tomorrow?
Bianca, Newark, DE
January 6, 2017 07:49:21 AM
In reply to Bianca, Newark, DE
Thanks for contacting TD Helps today, Bianca. We'll happy to point you in the right direction.
The type of deposit you make determines when the funds will be available. Direct Deposits are available on the same business day that they are credited to your account, even while they are in a pending status. Similarly, Cash Deposits made with a Teller are also made available the same business day for your use.
Check Deposits work a little differently, when you deposit a check, the first $100 is made available right way. 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 you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately while the remainder of your deposit will be applied to the balance on the following business day. Unlike the ATM, the Mobile Deposit feature does not credit any funds initially. The funds will be credited on the following business day.
To read the Funds Availability Policy and other important details, please visit https://go.td.com/1kb17UQ (pages 40-44).
We hope this helped, Bianca. Have a great weekend, and enjoy the rest of your day.
Customer Service Team, Mount Laurel
January 6, 2017 07:49:49 AM