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March 28, 2015 06:16:40 PM
In reply to anna, tampa
Good of you to stop by TD Helps, Anna! We'll be glad to answer any questions you may have about check deposits.
We'd like to begin by stating that when you deposit checks 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.
If you make the check deposit through a TD Bank ATM before 8 PM, the first $100.00 is made available and typically the remaining funds will become available on the next business days. As mentioned above, if your account is less than 90 days old, the check could be held up to 7 business days for verification purposes.
If you make a deposit using our mobile deposit feature, the first $100.00 is not available and normally the check becomes fully available on the next business day if the deposit was made before 8 PM.
As 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.
We hope this clarifies your question, Anna and feel free to come by again if you have additional questions. Take care and have a good weekend!
Katherine G, Mount Laurel
March 28, 2015 06:18:08 PM