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it has taken up to four days for a payroll check from new york to clear and funds be made available. Is this because I used an atm rather than go directly into the bank myself?
darleen, hasbrouck hts
November 19, 2014 10:35:54 AM
In reply to darleen, hasbrouck hts
Welcome to TD Helps, Darleen. We're glad to go over funds availability with you.
Generally speaking, when making check deposits with a Teller or at a TD ATM, the first $100.00 is made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, Check Deposits can be held up to 7 business days for verification purposes. After this grace period, not only will the first $100.00 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Check deposits made at a TD Bank ATM before 8:00 PM on a business day are considered deposits 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.
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. 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.
For more information on our funds availability please take a look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ (pages 38-41). You're welcome to give us a call 24/7 at 888-751-9000 or visit a TD Store for additional information. For Store hours please visit: http://bit.ly/TDStores.
Darleen, 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
November 19, 2014 10:38:59 AM