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November 10, 2014 09:06:43 AM
In reply to Lakeshia, Florence
Good morning, Lakeshia and thanks for coming to TD Helps with your question.
Generally, for direct deposits, funds are available to you on the date designated by your depositor. These types of deposits are processed overnight at varying times and the funds will be available for use, such as for ATM withdrawals or debit card purchases, 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.
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, employers 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. Or if you'd like, feel free to visit at any nearby TD Bank store to have one of our Representatives look into it for you. Please see: http://bit.ly/TDStores to find your nearest location. Please note, as we would like to assist you directly, we do not have access to your information as this is considered an unsecured site.
There are also other ways available for you to manage your Account(s) and also check your direct deposit along with your balance, which includes contacting us at the number provided above and stopping by a TD Store. If you are currently enrolled for our Online Banking, you would be able to view your direct deposits and balances online. You may also view the transactions as well. After you are logged onto your account, you may click on the “Accounts” tab at the top of the page and then click on the name of the account you want to view.
If you're not currently enrolled and would like to take advantage of this free service you may click here: http://bit.ly/1lU2qfY. Please have your account number, ATM/debit card number and Social Security number available to complete the enrollment. The page will provide you with step-by-step instructions on how to complete the process. If you have any questions please call our Digital Banking Specialists 24/7 at 800-493-7562 for further assistance.
Also, you may obtain your account transactions and balance by dialing our 24/7 Automated Telephone Banking System at 800-937-2000.
We hope this helps, Lakeshia. Enjoy your day!
LiShu R, mount laurel
November 10, 2014 09:09:20 AM