Open a TD Checking Account online

Open a TD Checking Account online in minutes – it's easy and secure. You'll get free Online Banking, Mobile Banking, no fees at TD ATMs, plus overdraft options to help you avoid fees. Overdraft Services do not apply to TD Essential Banking Accounts.1

Looking for more bank account options?

Students and young adults ages 17 through 23 get even more great perks with TD Convenience CheckingSM3

Checking account perks worth talking about

Still deciding on a checking account?

Our account selector can help you choose, and you can open an account online in minutes.

View the TD Checking Account Guides.

1Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee or return item fee. For example, preauthorized transactions and other transactions may post to your Account even when the balance in your Account is not sufficient to pay the transaction.

2TD 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.

3TD Convenience CheckingSM Monthly Maintenance Fee waived if the Primary account holder is age 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 the minimum daily balance is maintained.

4TD Beyond Checking monthly maintenance fee can be waived with one of the following: Receive $5,000 or more in direct deposits within a statement cycle or maintain a $2,500 minimum daily balance in your TD Beyond Checking account or maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

5Non-TD ATMs: For TD Beyond Checking and TD Signature Savings, TD ATM fees waived regardless of balance, and non-TD fees, which includes any surcharges at the time of your transaction, will be reimbursed when your minimum daily balance is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

6Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

7Send 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 and an active unique e-mail address. 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.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

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