Yes, you can deposit money into someone else's TD Bank account, but the method depends on whether you have their account details and what type of account it is
TD Bank allows third parties to deposit money into another person's account through several routes: in-person at a branch, through a TD Bank ATM, via mobile deposit if you have access to their account, or by having them send you a payment request through their online banking. The fastest and most straightforward method is usually a branch deposit, where you walk in with cash or a check and provide the recipient's account number. The money typically posts the same day or by the next business day.
The key limitation is that you cannot transfer money into someone else's account online or through TD Bank's mobile app unless you have their login credentials—which you should never ask for or use. TD Bank does not allow third-party online transfers for security reasons. If you do not have the account number or cannot visit a branch, the recipient can initiate the deposit themselves by requesting money through their online banking or by giving you a secure payment link.
Key Takeaways
- You can deposit cash or checks into someone else's TD Bank account in person at any TD branch by providing their account number.
- TD Bank ATMs accept deposits to accounts other than your own if you enter the correct account number on the deposit envelope.
- You cannot transfer money online or through the mobile app to someone else's account without their login information, which is a security feature.
- If you do not have the account number, ask the recipient to send you a payment request through their TD online banking instead.
Depositing cash or a check in person at a TD branch
Walk into any TD Bank branch with the cash or check you want to deposit and the recipient's account number. You do not need their name on the check or any special authorization. Tell the teller you want to deposit into another account and provide the account number. The teller will process the deposit and give you a receipt showing the account it went into and the amount.
The deposit posts the same day if you arrive before the branch's cutoff time (usually 2 or 3 p.m. on weekdays) or by the next business day if you deposit after hours or on a weekend. There is no fee for this service at TD Bank. Bring your ID in case the teller asks for it, though most branch deposits to another account do not require identification.
Using a TD Bank ATM to deposit into another account
TD Bank ATMs can accept cash and check deposits to accounts other than your own. Insert your card or use cardless access, select "Deposit," and when the machine asks which account to deposit to, choose "Other Account" and enter the recipient's account number. Place the cash or check in the envelope, seal it, and insert it into the machine. The ATM will confirm the deposit and print a receipt.
ATM deposits typically post within one business day. This method works 24/7 and does not require you to visit during branch hours. However, not every TD ATM accepts deposits to other accounts—some machines are cash-only or check-only. If you are unsure whether a specific ATM supports this feature, ask a teller or call the branch ahead of time.
What happens if you do not have the recipient's account number
If you do not know the account number, you have two options. First, ask the recipient directly for their account number. They can find it on their debit card, in their online banking portal, on a recent statement, or by calling TD Bank customer service. Second, ask them to send you a payment request through their TD online banking or mobile app, which generates a secure link you can use to send them money.
The payment request method is safer because the recipient controls the transaction and you do not need to handle their account number. They log into their TD account, select "Request Money" or a similar option, enter the amount and your contact information, and send you the link via email or text. You click the link and complete the payment without ever seeing their account details.
Why you cannot deposit online or through the mobile app
TD Bank's online banking and mobile app do not allow you to transfer money into someone else's account unless you have their username and password. The bank restricts this feature to prevent fraud and unauthorized access. If someone asks you to log into their account to move money, that is a red flag—legitimate transfers never require you to use someone else's login credentials.
This restriction applies even if you have a legitimate reason, such as helping a family member or paying a shared bill. The workaround is to use the in-person or ATM methods described above, or to have the recipient request the money from you instead. Both routes are secure and do not expose their account credentials.
Deposits from outside the United States
If you are sending money to a TD Bank account from another country, you cannot use the branch or ATM methods. Instead, use an international wire transfer through your own bank, or ask the recipient to request money from you through TD's online banking if they have that feature enabled. International transfers typically take three to five business days and may include wire fees from both banks.
For smaller amounts, some people use third-party money transfer services like Wise, PayPal, or Remitly, which may offer better exchange rates and lower fees than a traditional wire. However, these services deposit money into the recipient's account in their local currency, so they will need to convert it to US dollars if they want it in their TD Bank account.
What to do if the deposit does not appear
If you deposited money into someone else's account and it has not shown up after one business day, contact TD Bank customer service or visit a branch with your receipt. Provide the account number you deposited into, the amount, and the date of the deposit. The bank can trace the transaction and confirm whether it posted correctly.
Deposits occasionally fail if the account number was entered incorrectly, the account was closed, or the account holder has fraud holds in place. If the money went to the wrong account, TD Bank can attempt to recover it, though this process can take several days. If the account was closed, the bank will return the deposit to you. Always double-check the account number before you complete a deposit to avoid this problem.
Frequently Asked Questions
Can I deposit a check made out to someone else into their TD Bank account?
Yes. The check does not need to be made out to you. Bring the check to a TD branch or use an ATM, provide the recipient's account number, and deposit it normally. The check will clear into their account within one to two business days depending on the check's origin.
Is there a limit to how much money I can deposit into someone else's account?
TD Bank does not publish a specific limit for third-party deposits at branches or ATMs. However, deposits over $10,000 trigger federal reporting requirements, and the bank may ask questions about the source of the money. If you are depositing a large amount, bring documentation showing where the money came from.
Do I need the recipient's permission to deposit money into their account?
Legally, no—anyone can deposit money into an account if they have the account number. However, it is courteous to tell the recipient beforehand so they know to expect the deposit and can confirm the account number is correct. If you deposit into the wrong account by mistake, recovery can be difficult.
What if the account I am depositing into is not at TD Bank?
You cannot use TD Bank's branch or ATM to deposit into an account at another bank. Instead, use a wire transfer through your own bank, or ask the recipient to request money from you through their bank's payment system. Some banks also accept transfers through services like Zelle or PayPal.
Can I deposit money into a TD Bank savings account the same way as a checking account?
Yes. The deposit method is the same whether the account is checking or savings. Provide the account number at the branch or ATM, and the money will post to whichever account type it is. Confirm the account number with the recipient to make sure you are depositing to the right account type.