How long does TD Bank take to deposit a check?
Two business days. That's the average amount of time it takes before the money you dropped into your checking account is actually available to you.
For ATM and Store and check deposits (including drive-thru), the first $100 is available immediately and the remaining funds are typically available the next business day, unless a hold is placed. Deposits made after 8 p.m. ET or on a weekend or holiday require an additional business day.
Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day.
Deposit Cut off Times
If TD Bank receives a scanned Item after 8:00 p.m. Eastern Standard Time or on a weekend or a state or federal holiday, the next Business Day will be the Deposit Date.
Mobile check deposit 24/7
Your funds are usually available next business day1 when you use TD Bank Mobile Deposit2 to deposit checks using the camera in your smartphone or tablet.
A bank may hold a check longer if it's an unusual deposit, such as if you've never deposited a check from that payer before. A check may take also longer to clear if it's for a larger amount or is from an international bank. Checks from foreign banks usually require longer hold times because they take longer to verify.
Usually within two business days for personal checks but up to seven for some accounts. Usually one business day for government and cashier's checks and checks from the same bank that holds your account.
Transaction Processes: Same business day after 11:59 pm ET. Bill Paid: Next business day. Funds Withdrawn: Immediately, and dated the same business day. Transaction Processes: Sunday after 11:59 pm ET.
The TD Bank mobile check deposit limit for customers with accounts opened for 3 to 6 months is $1,000 per day and $2,500 per rolling 30-day period; for customers with accounts opened for 6 to 12 months, the limit is $2,500 per day and $3,500 per rolling 30-day period; for customers with accounts opened for more than 1 ...
The end of a Business Day varies by Store, but it is not earlier than 8:00 p.m. EST. Please visit any of our Stores or call us at 1-888-751-9000.
