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Thinking of opening a checking acct in Amesbury office/bank. If I do, can I withdraw immediately ? It would be with a Fidelity check.
February 27, 2016 12:52:28 PM
In reply to Paul, Amesbury
Welcome to TD Helps today, Paul. We're happy to hear about your interest in opening an account with us.
We'll be sure to give you clarification on how long it takes for your funds to be available from your deposit.
Before we begin, we invite you to take a look at what accounts we currently offer by clicking here: http://bit.ly/Wczmq0 for a list of checking accounts and here: http://bit.ly/1pJT9I9 for a list of our savings accounts. For a personalized recommendation for a checking account click here: http://bit.ly/1vW1xnU or savings accounts here http://bit.ly/1vW1DvM.
Once you've decided on the account(s) that best suit you, feel free to open the account online by using the links provided above, calling us 24/7 at 888-751-9000 or visiting us at any TD Bank location during lobby hours. Click here: http://bit.ly/TDStores to find a TD Bank near you.
When making check deposits with a Teller, the first $100 is made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, check deposits may be held for up to 7-10 business days for verification purposes. After this grace period, not only will the first $100 be made available the same day of your deposit but the remaining amount of your check deposit will be credited to your account on the following business day. A business day is any day besides Saturday, Sunday and Federal Holidays.
When making a deposit at an ATM, if your account has been opened for 90 days or longer, any check deposit made will have the first $100.00 of your daily ATM deposits immediately available in your account. Please keep in mind, that if your account has not yet been open for 90 days, the first $100.00 of an ATM deposit will not be available for withdrawal at the time of your deposit.
Additionally, any deposits made through Mobile Banking will not have the first $100 available on the same business day. Typically, the full amount of your deposit will be made available the following business day. We invite you to visit: http://bit.ly/1e3jiYF for more details about mobile deposits.
We also recommend that you take a look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ. On pages 35-37 you can find our Funds Availability Policy along with information about when you'll have access to your deposit.
If you would like, you may speak with one of our dedicated Banking Specialists 24/7 at 888-751-9000. They'll be happy to let you know how this applies to your account specifically or review your deposit with you. You may also visit us during lobby hours at any nearby TD Bank Store, at http://bit.ly/TDStores.
Let us know if you have any additional questions. Take care!
Shanika A, Mount Laurel
February 27, 2016 12:52:51 PM