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August 15, 2014 11:20:19 AM
In reply to Debra, Manchester
Great question, Debra. We'd be happy to go over how checks clear.
When you make a check deposit with a Teller, regardless of the type of check, the first $100 is available right away and the rest of the funds are typically made available the following business day. A Business Day is considered Monday through Friday, except federal holidays and certain restrictions do apply. 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.
Check out http://bit.ly/1kb17UQ for our full Account Agreement to see circumstances where the funds are not available next business day. On pages 35-37 you can find more information about our Funds Availability Policy along with information about when you'll have access to deposits.
We hope this helps, Debra and have a wonderful weekend.
Megan K, Mount Laurel
August 15, 2014 11:21:18 AM