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TD Bank Deposit Cut-off Times and Holds

When will your money be available?

Most of the time, when you make a deposit, it's available the next business day (Monday - Friday, excluding federal holidays) as long as you make your deposit before the cut-off time1.

Need access to your money right away? There are a few ways to avoid a hold on your deposit. Learn more

How do types of deposits impact holds?

Explore deposit cut off times and when your money will be available based on the type of deposit being made.

Cut-off time1

When it's available
Cash
By store closing time, Monday – Friday
Immediately
Check
By store closing time, Monday – Friday
$100 same day, full amount next business day1,2
Check for New Account 
By store closing time, Monday – Friday
$100 same day, $125 next business day, full amount three business days after the date of deposit1

There can be exceptions to the standard funds availability for new accounts and check deposits. 

Cut-off time1

When it's available
Cash
8 p.m. ET, Monday – Friday
Immediately*
Check
8 p.m. ET, Monday – Friday
$100 same day, full amount next business day1,2
Check for New Account 
8 p.m. ET, Monday – Friday
$100 same day, $125 next business day, full amount three business days after the date of deposit1

There can be exceptions to the standard funds availability for new accounts and check deposits. 

Cut-off time1

When it's available
Mobile Check
8 p.m. ET, Monday – Friday
Full amount next business day1,2
Mobile Check for New Account
8 p.m. ET, Monday – Friday
$225 next business day, full amount three business days after the date of deposit1
Zelle3
10:30 p.m. ET, Monday – Friday
Within minutes4
ACH
8 p.m. ET, Monday – Friday
Immediately 
Wire
8 p.m. ET, Monday – Friday
Immediately
Transfer between your TD Accounts
11 p.m. ET, Monday – Friday
Immediately

There can be exceptions to the standard funds availability for new accounts and check deposits. 

Funds Availability & Check Holds FAQs

At TD Bank, check deposits made before the cut-off time, typically 8 p.m. ET on business days (Monday–Friday, excluding federal holidays) are usually processed and available the next business day. Check deposits made after the cut-off time are usually available in two business days. Longer holds may apply. Cash and direct deposits are usually made available immediately. Check out our funds availability digital flyer (PDF) or Small Business funds availability digital flyer (PDF) for more details on store, ATM and electronic deposits.

There are a few reasons why your deposit may be taking longer than you expected to become available. You might experience delays if:

  • You are depositing a check into a new account that's less than 30 days old
  • You are making a deposit more than $5,525 in one day
  • Your account requires extra protection. If this happens, we'll contact you by letter and let you know when your money will be available.

You can review your Personal Deposit Account Agreement (PDF) or Business Deposit Account Agreement (PDF) for details on when longer delays may apply.

There are a couple ways to help prevent certain banking fees from sneaking up on you

  • Link your checking account to a savings account for overdraft protection.
  • Use TD ATMs to avoid an extra withdrawal fee or consider an account that reimburses ATM fees when you maintain the daily balance requirement. Another tip: you can use your debit card to get cash back when making in-store purchases if you can't make it to a TD ATM.

Explore more resources

Learn more about the services available to help you manage your money and get quicker access to your funds. 

  1. Direct Deposits
    Direct deposit is a convenient way to have your paycheck, pension or Social Security payment deposited into your designated checking or savings account–without having to wait for the check to clear.

  2. TD Alerts
    Custom notifications designed to fit your daily banking needs allow you to track your balance and manage transactions in the moment, so you always know what to expect when it comes to your accounts and cards

  3. Overdraft Services
    Forget the stress and manage your money with confidence with TD Overdraft Relief.

  1. FastFunds
    Need access to funds right away? You may be eligible us use TD FastFunds. Simply bring your check deposit to your nearest TD Bank store to determine eligibility

  2. Send Money with Zelle®3
    Want to avoid deposit hold times? Learn how to send and receive money using Zelle®3 from your online or mobile banking dashboard. 

Ways to get in touch

Have additional questions or need more help?

  • Online

    Bank 24/7 online or the TD Bank app

    Log in

  • In person

    Visit a TD Bank near you

    Find a TD Bank

  • Call us

    Talk with a customer service representative by phone

    1-888-751-9000 1-888-751-9000

*Cash deposits made at a TD Bank ATM on the business day your account is opened will not be available until the first (1st) business day after the date of your deposit.

1For deposits made on Saturday, Sunday or a federal holiday, add an additional business day when estimating funds availability. If a deposit is made on a business day followed by a Saturday, Sunday or a federal holiday, funds may still be made available on the following day.

2 In some cases, funds deposited by check may be delayed for a longer period than our Standard Funds Availability.  If you've deposited checks totaling more than $5,525 in one day, the first $100 is immediately available, an additional $5,425 will be available no later than the first (1st) business day after the date of deposit, and the remainder may be held up to seven (7) business days from the date of deposit. If a hold is placed because we have reason to believe a check may be uncollectible, the full amount of the check may be held up to seven (7) business days from the date of deposit. This hold supersedes any prior availability provided to you, including the initial $100 provided on the date of deposit. Please refer to the Funds Availability Section of the Personal Deposit Account Agreement for additional information.

3Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier.

External transfer services are available for most personal checking, money market and savings accounts. To use these services, you must have an Online Banking profile with a U.S. address, a unique U.S. phone number, and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Internal and external transfers are free.

For more information, read the Terms and Conditions.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Transaction limitations apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Send Money with Zelle® is only available in English in secure Online Banking.

4Zelle® deposits made after 10:30 p.m. ET may temporarily increase your balance. However, deposits made after 10:30 p.m. ET will be considered deposited on the next business day.

Member FDIC, TD Bank, N.A.

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