*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.
