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April 23, 2015 10:09:23 AM
In reply to Tia, Pickens
Thank you for visiting us on TD Helps, Tia.
Based on the message we received, it sounds like you have recently made a deposit, and would like to know when the funds will be available to you.
In most of the cases, 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.
Cash deposits made at the ATM or with bank tellers are available immediately on the business day on which they are deposited.
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 8:00 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.
If you make a deposit through TD Bank Mobile Deposit and you submit the deposit before 8:00 PM EST 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.
Additionally, for electronic funds transfers or direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times.
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.
If you have any additional questions or concerns, please feel free to contact us 24/7 at 888-751-9000 or stop by any of the TD Store locations in your area. To find out TD Store locations near you, please visit: http://bit.ly/TDStores.
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
April 23, 2015 10:12:11 AM