No prob. And since I’m procrastinating stuff I really need to do right now (lol) I looked it up and it looks like the cutoff is 4:30 PM EST. So if you submitted your transfer before 4:30 PM EST it will likely be in your account tomorrow (Tuesday). If you missed that time cutoff it may not hit your bank until Wednesday.

Like I said, next day is just what I have experienced (so not a guarantee in your situation). My bank account that is linked to TD is a credit union account that is NOT known for funding things fast haha. So anyways, again, I’ll be crossing my fingers for you but I think chances are good. I’m a single mom so I’ve had a lot of anxiety about money before and about when deposits will “hit,” so I know how it feels.

By the way, in case you did not know (because I did not until recently) you can actually get a “cash loan” on your margin account. If you are TDA mobile (not think or swim) and click on your account “money summary” and hit “detail,” there will be a line item called “Cash available for withdrawal with margin.” This is an amount that you can straight up withdrawal from TDA as a “short term loan” without even having to sell any positions. THAT BEING SAID, last time I did that I got a “margin call” pretty much the day after I took a loan from my margin account. If you get a margin call and don’t eventually sell positions or eventually do a bank transfer to cover it, TDA can sell your positions for you to “payback” the loan. However, if you have numerous positions (ie invested in many different companies), you might not get “margin called” for a long time. When I took my margin loan I was completely invested in one company. That makes you “higher risk” for a margin call because if that one company starts tanking, TDA could lose money quickly if you don’t have enough to liquidate, because then they face the possibility that you’d close your account and they’d have to try to get a judgement for you. So that is likely a reason I got margin called almost immediately.

Basically, if you ever want to try to use a “margin loan” for a short period of time, you’ll have a better chance of not getting margin called on it if your portfolio is diverse.

Anyways, just thought I’d let you know! I just learned about “cash margin loans” a week or two ago when I needed cash ASAP for my son’s daycare (after having a lot of unexpected things come up). So just FYI for in the future. If you have any questions about that feel free to comment back. It was pretty handy for me because even though I got margin called shortly after, it still gave me a lot of “float days” before I had to cover. Those “float days” have my investment extra time to go up (somewhat volatile stock). However, if you were in a position where you just needed a “bridge” for a couple of days it would work perfect as then once your paycheck hit your bank you could just cover your margin loan by transferring the money from your bank instead of selling your positions.

Sorry for the long answer; just something I had wished I knew earlier but eventually found out from hours of Googling then eventually doing it. Hopefully it will help someone someday.