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December 6, 2014 03:55:46 PM
23 people recommended this |
In reply to Nicole, Philadelphia
Thanks for coming to TD Helps with your question today, Nicole.
If you have recently deposited a check, please know that generally speaking, when making check deposits with a Teller, 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.
Please note that there are exceptions that may cause delays in funds availability, we invite you to look at our Personal Deposit Account Agreement here: http://bit.ly/1kb17UQ . On pages 38-41 you can find our Funds Availability Policy along with information about when you'll have access to deposits.
As we would like to assist you directly, unfortunately, we do not have access to your personal information since this is considered an unsecured forum. To better assist you, please feel free to call 888-751-9000, 24/7 to speak with one of our Banking Specialists. After account verification they'd be more than happy to review your account with you. Also, you may visit any TD Bank Store to have your account reviewed in person. For a listing of TD Bank Stores please see here: http://bit.ly/TDStores.
Also, if you are enrolled for online banking, you may send a secure message using www.tdbank.com. To send a secure message you must first logon to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the “Message Center." If you have not enrolled, please call us 24/7 at the number listed above to speak with our Banking Specialists. If you are enrolled for our BusinessDirect online banking, you may use this link to logon http://bit.ly/1rvBmq8 and send a secure message.
Thanks again for your visit today! We welcome you back anytime with any other questions, and take care.
LiShu R, Mount Laurel
December 6, 2014 03:56:49 PM
20 people recommended this
In reply to LiShu, Mount Laurel
Hello what does "FM Deposit Hold-see SM" mean?
February 9, 2017 10:10:29 AM
70 people recommended this
In reply to Tim, Clinton
Thanks for dropping by TD Helps Tim. We're glad to help.
Please check out the answer above provided by our friend, LiShu. You may also give us a call at 1-888-751-9000 to find out about your account specifically. Customer Service Representatives are available 24/7 to assist you.
We look forward to hearing from you soon, Tim.
Customer Service Team, Mt. Laurel
February 9, 2017 10:12:40 AM
6 people recommended this
What ddoes see sm means on a hold
September 13, 2017 09:59:06 AM
8 people recommended this
In reply to Dion, Miami
Hi Dion! We'd be happy to explain.
It sounds like you may have a deposit on hold for verification. 'See SM' stands for 'See Service Message'. The service message usually provides some information about how long the item may be on hold.
All check deposits must go through verification. This usually occurs during overnight processing and the funds are made available the following day. While not entirely common, we do sometimes have to hold check deposits for additional verification. This is usually due to being unable to complete that initial verification. This hold is generally no longer than 7 business days and we will notify you in writing if we have to hold a check beyond 2 business days.
We'd be happy to review your account and the service message that was placed to provide you more info on when you should expect to receive funds on your check deposit. Please give us a call 24/7 at 888-751-9000 or stop in to see us at any of our Stores. To find one near you, please click here: https://go.td.com/1nq31dc. You may also send us a secure message through your online or mobile banking. To send a secure message, 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'. From your Mobile Banking, log in and select 'Send a Secure Message' from the side Menu. We can generally respond within 24 hours or less.
We hope this helps to explain, Dion. Have a great day!
Candice A, Mount Laurel
September 13, 2017 10:00:32 AM
9 people recommended this