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December 1, 2014 12:19:43 PM
In reply to Will, Richmond
Good morning, Will. Welcome to TD Helps. We're glad to go over funds availability with you.
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.
Just in case that you have an account with TD Canada Trust also and are inquiry about funds availability when depositing checks into your TD Canada Trust account, we invite you to click here: http://bit.ly/1vZidAG and you will see a similar question which was previously answered by our teammate Iris.
Also, our friends in Canada can assist you further if you have any other questions. Check out their page here: http://bit.ly/1kD3iFr.You can reach out to them 24/7 at 866-222-3456.
We hope you find our answer helpful and please don't hesitate to return to TD Helps if you have any further questions.
LiShu R, Mount Laurel
December 1, 2014 12:20:36 PM
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