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when i deposit my work check, is there a way to receive the full amount other than the $100 available funds ? i don't want to be limited.
June 1, 2015 01:41:37 PM
In reply to yuon, flushing
Thanks for reaching us on TD Helps, Yuon. We'd be happy to review
When making check deposits with a Teller, the first $100 is usually 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 for 7-10 business days for verification purposes. After your account has been opened for 30 days, not only will the first $100 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Deposits made at a TD Bank ATM before 8:00 PM on a business day are considered deposits made on that same business day. A business day is every day except Saturdays, Sundays, and Federal Holidays. If you make a deposit at an ATM before 8:00 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 8:00 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are 90 days old will have the initial $100 made available and generally see availability of funds the next business day.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
You may also take a 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.
If you would like to cash the check prior to your deposit, cash deposits are made available immediately. You are able to cash the check at the institution the check is drawn off of. If you have an alternate TD account, you are able to cash your check against it as long as you have enough funds to cover the full amount of the check.
Direct Deposit is a great way to avoid check holds. If your employer offers direct deposit, you are able to provide your employer with your account and routing number on our Direct Deposit Authorization form found here: http://bit.ly/1sSvhT6. Direct deposit funds are available at the time of deposit rather than waiting for a check to clear!
If you have any specific questions about your account or deposits, we ask that you contact us directly for assistance. You are able to call us 24/7 by dialing 888-751-9000 or visit us during lobby hours at any TD Store. To take a look at TD Stores near you and their hours please visit http://bit.ly/TDStores.
We hope this helps, Yuon and have a good afternoon.
Megan K, Mount Laurel
June 1, 2015 01:42:10 PM