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January 26, 2018 01:46:04 PM
In reply to Kathleen, Paterson
Good afternoon, Kathleen!
Here at TD Bank, the type of deposit you make can determine when the funds will be available to you, and we'll be happy to explain our funds availability policy in further detail.
Direct deposits are available on the same business day that they are credited to your account, even while they are in a pending status. Similarly, cash deposits made with a Teller are also made available the same business day for your use.
Check deposits; however, work a little differently. 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, please know that check deposits can be held for 7-10 business days for verification purposes.
If you make a deposit through the ATM, either cash or check, the first $100 dollars is credited immediately, while the remainder of your deposit will be applied to the balance on the following business day. Unlike the ATM, TD Bank's Mobile Deposit feature does not credit any funds initially. The funds will be credited on the following business day.
If you'd like, you're more than welcome to review our Personal Deposit Account Agreement here: https://go.td.com/2nf0JAI for additional information. On pages 40-44, you can find our Funds Availability Policy.
If you would prefer to review your account with Specialist, you're more than welcome to do so, as we're always happy to help.
Banking Specialists can be reached by simply dialing 1-888-751-9000, 24 hours a day, 7 days a week. Customer Service Representatives are also happy to help at any number of our Store location, during lobby hours. To take a look at Store locations and their hours, please visit http://go.td.com/1f9DSJR.
If you're unable to call or visit a Store location, we understand, and would like to recommend that you then send us a secure message. To send a secure message, you will first want to log into your TD Bank online profile by clicking here: https://go.td.com/1eaISlq. Once you've successfully logged in, look for the 'Message Center' on the left hand side and select 'Send a secure message'.
If you have downloaded our mobile banking app for your smartphone, you may also use this method to send a secure message. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We generally respond within 24 hours or less.
In addition to the information above, we'd also like to mention that TD Bank post all direct deposits at the date and time provided by the creditor. If your Social Security was to be direct deposited to your account, and you have not yet received it, we'd like to recommend that you connect with them directly for further assistance.
We sincerely hope you found this information helpful, Kathleen!
Take care, and have a great upcoming weekend.
Brittany M, Mount Laurel
January 26, 2018 01:46:29 PM