Please refer to these check funding guidelines to avoid having your check returned to you as unacceptable. Please note: TD AMERITRADE may verify funds prior to posting your check to your account.

Sending a check for deposit into your new or existing TD AMERITRADE® brokerage account?

Please refer to these check funding guidelines to avoid having your check returned to you as unacceptable. Please note: TD AMERITRADE may verify funds prior to posting your check to your account.

Sending a check for deposit into your new or existing TD AMERITRADE® brokerage account?

• Who Do I Make My Check Payable To?
• Where Do I Mail My Check Deposit?
• Acceptable Check Deposits
• Unacceptable Check Deposits
• When Are My Funds Available?

Who Do I Make My Check Payable To?

Make checks payable to TD AMERITRADE (except third party checks - see "Acceptable Check Deposits" below).

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Where Do I Mail My Check Deposit?

TD AMERITRADE and former Ameritrade clients:

For new accounts, please submit an Account Application with your check and mail to:
Regular Mail: PO Box 2760, Omaha, NE 68103-2760
Overnight Mail: 1005 N. Ameritrade Place, Bellevue, NE 68005

For existing non-IRAs, please submit a Deposit Slip with your check and mail to:
Regular Mail: PO Box 2229, Omaha, NE 68103-2229
Overnight Mail: 1005 N. Ameritrade Place, Bellevue, NE 68005

For existing IRAs, please submit an IRA Deposit Slip with your check and mail to:
Regular Mail: PO Box 2789, Omaha, NE 68103-2789
Overnight Mail: 1005 N. Ameritrade Place, Bellevue, NE 68005

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Acceptable Check Deposits

• Personal checks must be drawn from a bank account in an account owner's name and must include Jr. or Sr. if applicable.
• Checks from joint checking accounts may be deposited into either checking account owner's TD AMERITRADE account.
• Checks from an individual checking account may be deposited into an TD AMERITRADE Joint account if that person is one of the account owners.
• Cashier's check with the remitter name, pre-printed by the bank. The remitter name must be the same as an account owner's name on the TD AMERITRADE account.
• Third party checks (e.g. husband, wife, business, etc.) payable to the TD AMERITRADE account owner and endorsed over to TD AMERITRADE or make the check payable to TD AMERITRADE / FBO the TD AMERITRADE account owner and the TD AMERITRADE account number. "FBO" stands for "For the Benefit Of." Example: TD AMERITRADE / FBO Jane Doe.
• Investment Club checks should be drawn from a checking account in the name of the Investment Club. If a member of the Investment Club remits a personal check, the check must be payable to: "TD AMERITRADE / FBO the Investment Club name." "FBO" stands for "For the Benefit Of."

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Unacceptable Check Deposits

• Coin or currency.
• Foreign instruments.
• Thrift withdrawal orders.
• Domestic drafts.
• Checks that have been double-endorsed (checks with more than one signature on the back).
• Checks referring to more than one TD AMERITRADE account. (We do not split the proceeds from one check into multiple accounts.)
• Third party checks not properly made out and endorsed per the rules stated in the "Acceptable Deposits" section.
• Checks from minors.
• Stale-dated checks (over three months old).
• Any checks from federal, state or local government entities.
• Travelers checks.
• Credit card checks.

Please note: This is only a guide. Other situations may arise when a remittance is deemed unacceptable.

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When Are My Funds Available?

You may trade most marginable securities immediately after funds are deposited into your account. However, these funds cannot be withdrawn or used to purchase non-marginable securities, initial public offering (IPO) stocks or options during the first six business days. This holding period begins on settlement date. Read Funding Restrictions for more information.

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