TD’s mobile cheque deposit feature — available in the TD app — lets you photograph and deposit most personal and business cheques without visiting a branch or ATM. Deposit limits control how much can be deposited per cheque, per day, and per month. TD’s extended branch hours provide a convenient alternative for cheques that exceed mobile limits.
TD Mobile Deposit Limits at a Glance
| Limit Type | Standard Amount | Notes |
|---|---|---|
| Per cheque | $5,000 | Higher for premium accounts |
| Daily | $10,000 | Resets midnight ET |
| Monthly | $50,000 | Rolling 30-day period |
| Immediate availability | $100 | Remainder subject to hold |
| Hold period | 4–5 business days | Varies by account history |
Limits by Account Type
| Account | Per Cheque | Daily |
|---|---|---|
| TD Minimum Chequing | $5,000 | $10,000 |
| TD Every Day Chequing | $5,000 | $10,000 |
| TD All-Inclusive | $10,000 | $20,000 |
| TD Student Account | $2,500 | $5,000 |
| TD Business Banking | Higher (negotiated) | Higher |
These are typical defaults. Verify your limits in the TD app under deposit settings or by calling 1-866-222-3456.
How to Deposit a Cheque with the TD App
- Open the TD app and log in
- Tap Deposit Cheque from the main menu or under Transactions
- Select the account to deposit into
- Enter the cheque amount
- Photograph the front of the cheque — ensure all four corners are visible in good lighting on a flat, dark surface
- Photograph the back of the cheque — sign it and write “For TD Mobile Deposit Only” above your signature
- Review the details and confirm
- Keep the physical cheque for at least 5 business days before destroying it
The app confirms the deposit immediately. An email or push notification confirms the amount and expected availability date.
Cheque Hold Policy
TD’s cheque holds follow the Canadian Payments Association guidelines. Holds allow time to verify the cheque will clear from the issuer’s account.
| Situation | Typical Hold |
|---|---|
| Standard personal cheque (account in good standing) | 4–5 business days |
| New TD account (less than 90 days) | 7–10 business days |
| Large cheque (over $1,500) | 4–7 business days |
| Government cheque (federal, provincial) | 1 business day |
| Certified cheque or bank draft | Generally no hold |
| History of NSF or returned cheques | Extended holds may apply |
The first $100 of any deposit is always available immediately by law under the Canadian Payments Act. For certified cheques and bank drafts, the full amount is typically available without a hold.
When to Use ATM or Branch Deposit Instead
Mobile deposit has limitations worth knowing:
- Cheque over the per-cheque limit: Use a TD Green Machine ATM (higher limits often apply) or a TD branch teller
- Damaged or folded cheque: Mobile scanning fails on damaged cheques — visit a branch
- Need funds immediately: Branch teller deposit of a certified cheque may release funds faster than mobile
- Large money order or bank draft: Branch deposit is more reliable for guaranteed instruments
TD’s extended branch hours — open until 8 PM on weekdays at many locations — make branch deposits more practical than at other banks when you miss the standard business-hours window.
Tips for a Successful TD Mobile Deposit
- Photograph on a dark, flat, non-reflective surface
- All four corners must be visible in frame — this is the most common cause of rejection
- Sign the back and write “For TD Mobile Deposit Only” before photographing
- Do not fold the cheque before photographing
- Wait for the app’s confirmation screen before closing — do not submit the same cheque twice
- Retain the physical cheque until the deposit clears (5 business days)