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I Made a check deposit at a td ATM on Friday and a branch associate told me it would post in my account on Monday but Tuesday is a holiday so howwould that affect my deposit clearance timeframe?
July 3, 2017 11:31:21 AM
In reply to Jamal, Brooklyn
Thanks for your question, Jamal! We'd be glad to discuss when you should have access to your funds.
As you've mentioned that you made a deposit on Friday, the funds should still be available Tuesday morning if verified without issue.
Keep in mind that 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://go.td.com/1kb17UQ. On pages 40-44, you can find our Funds Availability Policy along with information about when you'll have access to deposits.
If you'd like to discuss your deposit specifically, we encourage you to reach out to a Banking Specialist directly. You're able to reach us 24/7 at 888-751-9000, by visiting any TD Store during lobby hours or by sending a secure message.
To take a look at Store locations and their hours please visit http://go.td.com/1f9DSJR.
To send a secure message using Online Banking, please sign in here: http://go.td.com/1eaISlq and select 'Send a secure message' located in the 'Message Center' on the left hand side of the page. For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in.
We hope this helps clear things up, Jamal. Have a good day!
Megan K, Mount Laurel
July 3, 2017 11:31:33 AM