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June 24, 2015 03:00:31 PM
In reply to Jennifer, Dover
Thank you for joining us today, Jennifer. We'd be glad to review how direct deposits work.
For direct deposits, funds are available to you on the date designated by your depositor even if your account is new. These types of deposits are processed overnight at varying times and will be available for use once processing is complete. 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.
Please note, if you've just started your direct deposit with your employer and haven't received a deposit yet, please keep in mind that direct deposits generally take 1-2 payment cycles to begin. Usually, they will test the account first with a zero dollar deposit to make sure all your account information is correct.
If you've already been receiving your deposit and it wasn't made as expected, you're welcome to give a Customer Service Representative a call at 888-751-9000. After account verification, our Banking Specialist can contact our ACH Department for more information on your direct deposit. Please keep in mind, our ACH Department is open Monday – Friday between 8:30 AM – 5:00 PM.
You're also able to visit any TD Store during lobby hours for assistance. Please see: http://bit.ly/TDStores to find your nearest location.
We hope this helps, Jennifer and have a good day.
Megan K, Mount Laurel
June 24, 2015 03:01:04 PM