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A cheque was recently deposited in my Toronto Dominion Bank account in Canada. A cheque from Revenue Canada. When I tried to access these funds I was told that because I did not have an equal amount of the funds in my account that is was their policy to put a hold on the funds until the cheque cleared, 5 business days, 7 calendar days, while they earn interest on the amount. I asked them if they did not trust a cheque from Revenue Canada. I also asked them if they did the same for a welfare recipient who lives cheque to cheque and obviously would not have funds in their accounts to cover the amount. They did not reply to this question which makes me feel that they treat customers differently and hence I am making this post. I advised them that I would be doing this on the websites that I own and on the forums that I am a member of.

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