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February 9, 2015 06:23:07 PM
In reply to William, Philadelphia
Good question, William. Thanks for getting in touch and we'll be happy to discuss our funds availability for deposits with you.
Generally speaking, when you deposit a check with a Teller, the first $100 should be made available immediately. The rest of the funds are usually credited to your account on the following business day.
If your deposit was made at TD Bank before 8:00 pm on a business day, it would be considered a deposit on that business day. A business day is every day except Saturdays, Sundays, and Federal Holidays. Please keep in mind that if a deposit was made on a weekend, this usually means that the deposit will be considered for Monday's business date and will post to your account Tuesday. If Monday of that week is a Federal Holiday, the deposit is considered for Tuesday and will post to your account on Wednesday.
Exceptions can also occur which can cause delays in funds availability. For example, if you are a new account holder and your account has not been open for 30 consecutive days, check deposits can be held for up to 7 business days for verification purposes. 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.
As TD Helps is a public forum, unfortunately we can't access your banking info to see what may have occurred with your deposit in particular. Please give us a call at 888-751-9000, available 24/7, and we will assist you further at that time. Or, you're welcome to come see us at any Store listed here: http://bit.ly/TDStores for assistance.
Hope this provides some help, William and we look forward to speaking with you soon!
Kristen P, Mount Laurel
February 9, 2015 06:24:39 PM