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Why can't I access my funds after depositing a cheque?

Hold on deposited funds

When you deposit a cheque into your account, the cheque is sent to the cheque writer's bank to release the money. A hold on funds may be placed on your deposit to allow time for the cheque to pass through the payment system and transfer funds into your account.

Cheque cashing is essentially a credit decision, as such our hold policy is applied differently for each customer. To find out how much of your cheque will not be subject to a hold you can view your instantly available funds limits on the TD app.

After you log in:

  1. Select the account for which you wish to view instant available funds from a cheque deposit.
  2. Select the summary tab on the right hand side of your screen.
  3. Select Transaction Limits from the list of options.
  4. Towards the bottom you will see Instantly Available Funds From Cheque Deposit Limit (Weekly).

This is the amount which may be available to you instantly once a cheque has been deposited into your account.

To view cheque hold information, please refer to our "Hold Funds policy (PDF)".

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