各个银行新转入的支票HOLDING 时间

闲云野鹤

https://www.canada.ca/en/financial-consumer-agency/services/rights-responsibilities/rights-banking/cheque-hold-access-funds.html#toc2

TD 银行：
https://www.tdcanadatrust.com/document/PDF/520866.pdf





ROYALBANK：

http://www.rbcroyalbank.com/products/deposits/hold-policy.html
Hold Timelines
The length of the hold period can vary depending on the location of the issuing financial institution. In general, the period of time required to verify if there are sufficient funds available in the account at the other financial institution is:
Four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of our branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution;Five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution;Five (5) business days after the day of deposit if the cheque or other negotiable item is in U.S. dollars and drawn on a Canadian branch of a Canadian financial institution;Fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution;Twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution.


SCOTIABANK：
http://www.scotiabank.com/ca/en/files/13/03/Cheque_Hold_Policy_eng.pdf

If you deposit a cheque to your account which is encoded with magnetic ink characterrecognition and not damaged or mutilated, the maximum hold period that we will placeon that cheque is as follows:
-Cheques drawn on a financial institution’s branch located in Canada- Canadian dollar cheques, maximum hold period of 5 business days (4 business daysafter the day of deposit).
-U.S. dollar cheques, maximum hold period of 10 business days (9 business daysafter the day of deposit).
-Cheques drawn on a financial institution’s branch located in the United States,maximum hold period of 20 business days (19 business days after the day of deposit).
-Cheques drawn on a financial institution’s branch located outside of Canada or theUnited States, maximum hold period of 30 business days (29 business days after theday of deposit).


BMO：
https://www.bmo.com/pdf/Cheque_Hold_Policy.pdf



Tangerine:
https://www.tangerine.ca/en/legal/account-termsHolds on Your Account

When you make a deposit by cheque, electronic funds transfer, or other negotiable item in Canadian currency, for funds drawn from a financial institution’s branch located in Canada, we may hold the funds for up to five (5) business days after the day you make the deposit. For all other negotiable items, the hold may be up to thirty (30) business days. During this hold period, we may limit your right to withdraw funds deposited by these means, and we may refuse to accept any deposit to an Account.

While there is a hold on your Account, and where permitted or required under applicable legislation:

• amounts may be released to your Account as indicated above, or at our sole discretion; and
• the hold period may also be extended in order to safeguard the security of your Account, or where an Account has been open for a period of less than 90 days.