Three ways to go monthly maintenance fee-free:

  1. Receive monthly direct deposits of $5,000 or more per statement cycle or

  2. Maintain a minimum daily balance of $2,500 or

  3. Maintain a combined balance of $25,000 across eligible TD accounts1

What you get with your checking account

Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback3 and more.

  1. No TD ATM Fees anywhere you go
    TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance2

  2. Overdraft Payback
    Get overdraft fees automatically reversed up to two times a year3

  3. Payment options
    Get your money where it needs to go—fast—with Rush Bill Payments,4 Send Money with Zelle®,5 incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle

  1. 24/7 access to your accounts
    Manage your money on the move with Online Banking and the TD Bank app

  2. Debit card, on the spot
    All of our checking accounts come with an instant-issue debit card—and, you can pay with confidence with contactless technology Visa Zero Liability protection6 and 24/7 fraud monitoring

  3. More perks on us
    Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings accounts.7 Plus, get free standard check orders, money orders, official bank checks and stop payments

What you pay


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Tiered Rate

Earn interest when you keep a higher balance.

Current APY*

Required Minimum Daily Balance To Earn APY*


$0.01 +

Get the most from your new checking account

Open account

View the TD Beyond Checking Account Guide.

*Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account.

1Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained 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.

2Non-TD ATMs: TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking 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.

3Overdraft Payback automatically reverses the first two overdraft fees incurred within a calendar year (January-December); max $70 per calendar year. Overdraft Payback is applied first, regardless of the Grace Period. Once Overdraft Payback has been utilized, your account will then be reviewed for Overdraft Grace when applicable.

4Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments; Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.

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 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.

6Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

7TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on one additional TD Simple Checking account and all personal savings accounts that you choose to link to your TD Beyond Checking account. Waivers expire when the TD Beyond Checking account is closed.

8Loans 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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