TD Bank check clearing at a glance
| Standard availability | $100 same day; rest next business day |
|---|---|
| Mobile deposit cutoff | 8 p.m. ET |
| New accounts | Rest by 3rd–4th business day (first 30 days) |
How long does TD Bank hold a check?
Checks deposited in a TD store or at a TD ATM before the cut-off: $100 is available the same day and the full amount the next business day. Check deposits made after the cut-off are usually available in two business days.
TD Bank mobile check deposit: cutoff and availability
Cutoff: 8 p.m. ET, Monday–Friday.
Mobile check deposits made before the cut-off: full amount the next business day (no same-day $100 is listed for mobile).
Branch and ATM deposits
In a TD store and at a TD ATM, check deposits get $100 the same day and the full amount the next business day. TD does not publish a separate rule for non-TD ATMs on these pages.
Cutoff: In store: by store closing time, Monday–Friday. TD ATM: 8 p.m. ET, Monday–Friday. Deposits on Saturday, Sunday or a federal holiday count as the next business day.
New accounts vs. older accounts at TD Bank
For accounts less than 30 days old: store/ATM checks get $100 same day, $175 next business day, and the rest later; mobile checks get $275 the next business day and the rest later. TD's web page says the rest is available 'by the fourth day after the day of deposit'; its PDF flyer (11/25) says 'three business days after the date of deposit'.
Once an account is more than 30 days old, the standard schedule above applies unless an exception hold is placed.
Longer holds and exceptions
If you deposit checks totaling more than $6,725 in one day, $100 is available immediately, another $6,625 by the next business day, and the rest may be held up to 7 business days. If TD believes a check may be uncollectible, or your account 'requires extra protection', the full check may be held up to 7 business days, and that hold overrides the $100 given on the day of deposit; TD says it will contact you by letter.
How to get your TD Bank deposit faster
TD says cash, direct deposits, ACH, wires, RTP and transfers between TD accounts are available immediately, and Zelle within minutes, as ways to avoid check holds. TD does not publish a paid instant-availability option for checks.
Worth knowing: TD's cut-offs differ by channel: store closing for in-store deposits but 8 p.m. ET for ATM and mobile checks. Cash deposited at a TD ATM on the day the account is opened isn't available until the next business day.
The federal rules behind TD Bank's policy
Federal Regulation CC sets the outer limits for most check deposits at US banks, including TD Bank: the first $275 by the next business day, most of the rest by the second business day, and longer “exception holds” only in specific cases. Banks can be faster, and some deposit types (such as mobile deposits at some banks) follow the bank's own schedule. Read our full guide: how long does a check take to clear? Depositing by phone? See how to deposit a check with your phone.
Policies change. This summary is based on TD Bank's own published documents as read on October 27, 2026 (listed below). Your account agreement, the deposit screen in your app and any hold notice you receive are what count. “Not published” means we didn't find it in TD Bank's public documents.
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Write your first check free →Frequently asked questions
How long does it take a check to clear at TD Bank?
Checks deposited in a TD store or at a TD ATM before the cut-off: $100 is available the same day and the full amount the next business day. Check deposits made after the cut-off are usually available in two business days.
What is the TD Bank mobile deposit cutoff time?
8 p.m. ET, Monday–Friday.
How long does a TD Bank mobile check deposit take?
Mobile check deposits made before the cut-off: full amount the next business day (no same-day $100 is listed for mobile).
Are check holds longer for a new TD Bank account?
For accounts less than 30 days old: store/ATM checks get $100 same day, $175 next business day, and the rest later; mobile checks get $275 the next business day and the rest later. TD's web page says the rest is available 'by the fourth day after the day of deposit'; its PDF flyer (11/25) says 'three business days after the date of deposit'.
Why is TD Bank holding my check?
If you deposit checks totaling more than $6,725 in one day, $100 is available immediately, another $6,625 by the next business day, and the rest may be held up to 7 business days. If TD believes a check may be uncollectible, or your account 'requires extra protection', the full check may be held up to 7 business days, and that hold overrides the $100 given on the day of deposit; TD says it will contact you by letter.
How can I get my TD Bank check deposit faster?
TD says cash, direct deposits, ACH, wires, RTP and transfers between TD accounts are available immediately, and Zelle within minutes, as ways to avoid check holds. TD does not publish a paid instant-availability option for checks.
Related guides
- How long does a check take to clear? (federal rules)
- Compare all banks
- How to deposit a check with your phone
Sources
- TD Deposit Cut-off Times and Holds · official FAQ, read Oct 27, 2026
- Keep tabs on your deposits: When will my money be available? (funds availability digital flyer, 39519-CK 11/25) · funds availability policy, read Oct 27, 2026
Last updated October 27, 2026. This page is general information, not legal or financial advice.
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