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May 10, 2015 10:59:06 AM
In reply to Ammiel, Bronx
Thanks for reaching out to us here on TD Helps, Ammiel! We're glad you joined us and we're happy to review funds availability with you.
Usually, when you deposit a check with a Teller, the first $100 should be made available immediately. In general, the rest of the funds are credited to your account on the following business day.
If your deposit was made at TD Bank either with a teller or via the ATM before 8:00 PM on a business day, it would be considered a deposit on that business day. A business day is every day except Saturdays, Sundays, and Federal holidays. As you've mentioned that your deposit occurred on Thursday night, if it was made before 8:00 pm, the funds should usually be made available by Friday. If it was made after 8:00 pm, we will consider that the deposit was made on the following business day (Friday). In that case, the funds would typically be available Saturday morning, which starts Monday's business day.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account has not been open for 30 consecutive days, or if the check is a larger dollar amount, check deposits can be held for up to 7 business days for verification purposes. 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 information about when you'll have access to deposits.
Since TD Helps is an unsecured forum and we don't have access to your account information here, we encourage you to give us a call. After account verification, we can review your deposit with you in better detail and let you know the time frame for availability. We can be reached 24/7 at 888-751-9000. You're also welcome at any of our local Stores and please see: http://bit.ly/TDStores.
We hope this helps with your deposit, Ammiel! Don't hesitate to check in again with any questions and have a great one.
Kristen P, Mount Laurel
May 10, 2015 11:01:54 AM