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January 10, 2018 11:12:25 AM
In reply to Melinda, Barrie
We're sorry to hear about your direct deposit, Melinda, and we'd be happy to shed some light on how they work.
For direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times and will be available for use once processing is complete. We invite you to look at our Personal Deposit Account Agreement here: http://go.td.com/1kb17UQ. On pages 40-44 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
Please note, if you've just started your direct deposit with your employer and haven't received a deposit yet, please keep in mind that direct deposits generally take 1-2 payment cycles to begin. Usually, they will test the account first with a zero dollar deposit to make sure all your account information is correct.
If you've already been receiving your deposit and it wasn't made as expected, you're welcome to give a Customer Service Representative a call at 888-751-9000. After account verification, our Banking Specialist can contact our ACH Department for more information on your direct deposit. Please keep in mind, our ACH Department is open Monday – Friday between 8:30 AM – 5:00 PM. Or if you'd like, feel free to visit at any nearby TD Bank Store to have one of our Representatives look into it for you. Please see: http://go.td.com/1f9DSJR to find your nearest location.
We hope this helps, Melinda. Take care.
Megan K, Mount Laurel
January 10, 2018 11:15:26 AM