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Two electronic transfers from our brokerage accounts made 4/1 at 9:30 AM (aprox) do not appear on our checking account. Why?
April 3, 2016 07:55:48 AM
In reply to Edith, Aiken
Welcome to TD Helps, Edith.
If the transfer is an ACH deposit from an employer or an automatic transfer, it typically takes 2 to 3 business days to show up in your account. For more information about deposits and when they are made available, we invite you to take a look at the Personal Account Agreement here: http://bit.ly/1kb17UQ(pages 38-41).
Additionally, if this is a wire transfer, we'd like to let you know that TD Bank posts all incoming Domestic Wires from the Federal Reserve until 6:30pm on the current banking day. A banking day is every day except Saturday, Sunday and Federal Holidays. International Wire transfers must be submitted by 2:00pm for same day action; if the request is after 2:00pm, the transfer will be processed the next business day.
You should expect to receive the funds within three to five business days. We will post all incoming wires on the banking day they are received. International wire transfers sent by foreign currency can be received until 3:30 PM EST.
Keep in mind also that depending on the currency you are receiving, some transactions may take longer than others. Please see the following link for all applicable fees included in our fee schedule: http://bit.ly/1cTejgt. And please note that we do not process or disburse funds from wire transfers received designated Pay Upon Proper Identification (PUPID) and return them to the sender.
Please know as we would like to assist you here, we do not have access to your personal/account information as TD Helps is considered an unsecured forum. If you have any additional questions, feel free to give our Banking Specialists a call 24/7 at 888-751-9000. After account verification they will be happy to answer any questions you may have.
Thanks for sending us your question, Edith and take care.
Alara B, Mount Laurel
April 3, 2016 07:56:09 AM