TD Complete Checking

With three ways to waive the monthly maintenance fee,a free linked savings account, plus extra perks for students and young adults—TD Complete Checking is made for everyone.

Three ways to waive your monthly maintenance fee

  • 1

    Direct deposits

    Have $500 or more in direct deposits within a statement cycle

  • 2

    Minimum daily balance

    Maintain a minimum daily balance of $500

  • 3

    Relationship account balance

    Maintain a $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link

Plus, waived fees for students and young adults

TD Complete Checking is even better if you're a student or young adult ages 17 through 23:

  • No monthly maintenance fee2
  • Non-TD ATM fees waived3
  • No minimum balance requirement 

Account perks that work for you

Life changes. Your checking account doesn't have to. TD Complete Checking is ready for wherever your journey takes you.

  • Waive your monthly maintenance fees 

    With three different ways to waive your fees1

  • Linked personal savings account 

    Build savings by waiving the monthly maintenance fee on one linked personal savings account of your choice

  • TD Early Pay

    Get access to your money up to two business days early with TD Early Pay when you have an eligible direct deposit4

  • Easy, 24/7 access to accounts

Account details

  1. Monthly Maintenance Fee
    $0 or $15

  2. 3 ways to waive your fee

    1. Have $500 or more in direct deposits within a statement cycle
    2. Maintain a minimum daily balance of $500
    3. Have a $5,000 minimum daily combined balance across eligible TD accounts that you choose to link 
  3. Student perks
    Monthly Maintenance fee waived if the primary account owner is aged 17 – 23,plus non-TD ATM fees waived3

  4. Linked personal savings account
    Monthly maintenance fee waived on one linked personal savings account of your choice

  5. Rate discounts
    Get a 0.25% discount on TD Bank Home Equity Loans7

  6. Earns interest
    No

  1. ATM fees
    No ATM fees at TD ATMs and non-TD ATM fees are waived if the primary account owner is aged 17 – 233

  2. Checks
    Free standard checks if the primary account owner is aged 60+

  3. Online statements
    Free

  4. Paper statements
    Free if the primary account owner is aged 60+, otherwise $3

  5. Minimum Opening Deposit
    $0

  6. TD Overdraft Relief
    Manage your money with confidence with TD Overdraft Relief

  7. TD Bank Mobile Deposit6
    Get on-the-go access to your accounts and bank securely 24/7

  8. TD Early Pay
    Get paid up to 2 business days early with TD Early Pay4

Get the most from your new checking account

Open account

View the TD Complete Checking Account Guide.

1TD Complete Checking monthly maintenance fee can be waived with one of the following: Have $500 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $500; OR have a $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link; OR if the primary account owner is aged 17 – 23.

2TD Complete Checking monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met.

3TD Complete non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

4For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.

If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

5Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply.

For more information, read the Terms and Conditions.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Send Money with Zelle® is only available in English in secure Online Banking.

6TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

7Loans subject to credit approval. A TD Bank personal checking account is required to be eligible for this 0.25% HELOC rate discount. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan, rate discount requires automatic payment deduction from a personal TD Bank checking or savings account. This discount may be terminated and the interest rate on this account may increase by 0.25% upon cancellation of the automatic payment deduction.

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