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December 2, 2014 11:23:13 AM
In reply to roger, burlingtion
Thank you for sending your question to TD Helps today, Roger. We're glad to go over funds availability with you.
We'd like to take this opportunity to let you know that TD Bank makes the first $100.00 available of your daily ATM check deposits immediately for accounts that are opened 90 days or greater. Deposits made through the ATM before 8:00 PM will be available on the next banking day. However, deposits made through the ATM after 8:00 PM will be considered the next days' business and will post to your account on the following business day. For example, if you make an ATM deposit after 8:00 PM on a Friday, that deposit is considered to be on Monday's banking day and will post to your account on Tuesday. Anytime a holiday falls on a Monday, the deposit will post to your account on Wednesday morning.
As you've mentioned that your accounts were opened within 90 days, we recommend making your check deposit with a TD Bank Teller. Generally speaking, when making check deposits with a Teller, the first $100.00 is made available immediately. For a listing of TD Bank Store hours and locations, please look here: http://bit.ly/TDStores.
Because 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.
We hope you find our answers helpful and please don’t hesitate to return to TD Helps if you have any further questions.
LiShu R, Mount Laurel
December 2, 2014 11:24:34 AM