TD Bank, FARMINGVILLE BRANCH

Baby girl- checks take note than 10 minutes to clear......

Hunny a check takes 5-7 business days to clear. It goes through a process where td bank accepts your check for deposit, sends the image through to back office operations to process the check, they send the image after the process it to the federal reserve, the federal reserves sends the check image to the bank it was drawn oN, that bank sends notice to the federal reserve saying we will or won't pay item, federal reserve sends back to td to say item is or isn't cleared, then td bank gets money for the item. all of that takes much more than 10 minutes.  Plus your account os very new. Td bank doesnt have much a relationship with you yet to take a chance on you and say ok your check is usually good so I'll take a risk. Toi would be surprised how many corporations don't have money in their accounts. When u go in front of a cashier at a check cashing place they have a system that facilitates them cashing that check for you. They are not banks.