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Ryan, new york
February 17, 2015 09:26:25 AM
In reply to Ryan, new york
Thanks for reaching out to us here on TD Helps, Ryan! We're glad you joined us and we'll be happy to review funds availability with you.
Usually, when you deposit a check with a Teller here at TD Bank, 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 note that for weekend deposits, this usually means that the deposit will be considered Monday's deposit and will post to your account Tuesday. Please keep in mind that 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.
We hope this helps with your deposit, Ryan. Don't hesitate to check in again with any questions, and have a great day!
LiShu R, Mount Laurel
February 17, 2015 09:27:35 AM