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I deposited the funds from another account, thinking that I would be able to access them today. Is there anyway I can do this?
November 27, 2014 01:10:26 PM
In reply to megan, lumberton
Welcome to TD Helps, Megan. We'd be happy to go over when your check will clear.
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 a check deposit is made at a TD Bank ATM before 8:00 PM on a business day, it is considered a deposit 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.
When making 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. Your funds are generally available on the 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 keep in mind 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 information about when you'll have access to deposits.
If the sufficient time frame has passed and the funds from your check deposit still has not been made available, we recommend contacting our dedicated Banking Specialists 24/7 at 888-751-9000, or by visiting one of our locations near you. For hours and locations near you, check out: http://bit.ly/TDStores.
Additionally, if you are enrolled for Online Banking, you may send a secure message using www.tdbank.com. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center." If you have not enrolled, please call us 24/7 at the number listed above to speak with our Banking Specialists or complete the steps by following this link: http://bit.ly/1lU2qfY. Keep in mind that you will need your account number, ATM/Visa Debit card number, Social Security number and email address to complete the enrollment. If you are enrolled for our BusinessDirect Online Banking, you may use this link to logon http://bit.ly/1rvBmq8 and send a secure message.
We hope this helps, Megan and have a good day.
Megan K, Mount Laurel
November 27, 2014 01:11:32 PM