TD Beyond Checking

This checking account is loaded with perks — with three ways to waive the monthly fee,1 waived ATM fees,2 Overdraft Payback3 and unlimited free linked personal savings accounts.

Three ways to waive your monthly maintenance fee

  • 1

    Direct deposits

    Have $5,000 or more in direct deposits within a statement cycle

  • 2

    Minimum daily balance

    Maintain a minimum daily balance of $2,500

  • 3

    Relationship account balance

    Have a $25,000 minimum daily combined balance across eligible TD accounts you choose to link1

Account perks that work for you

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.

  •  Fee reimbursement

    TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance.2 Get overdraft fees automatically reversed up to two times a year with Overdraft Payback3

  • Build your savings

    Monthly maintenance fee waived on any linked personal savings accounts5

  • 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

  • More perks on us

    Get free standard check orders, money orders, official bank checks and stop payments. Plus, a reimbursement for one outgoing wire (domestic or international) per statement cycle

Account details

  1. Monthly Maintenance Fee
    $0 or $25

  2. 3 ways to waive your fee

    1. Have $5,000 or more in direct deposits within a statement cycle
    2. Maintain a minimum daily balance of $2,500
    3. Have a $25,000 minimum daily combined balance across eligible TD accounts you choose to link1
  3. Earns interest

  4. ATM fees
    TD ATM fees waived at any ATM
    Non-TD fees reimbursed when you maintain a $2,500 minimum daily balance2

  5. Checks
    Free standard checks or discounted select styles

  6. Online statements

  1. Paper statements

  2. Minimum Opening Deposit

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

  4. Free with this account
    Money orders, bank checks, stop payments and incoming wires

  5. Fee reimbursements include
    Two overdraft fees per year,3 all Rush Bill Payments6 and one outgoing wire per statement cycle (domestic and international)

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

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

  8. Additional benefits
    Get rate discounts on home equity loans7


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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.

1TD Beyond Checking monthly maintenance fee can be waived with one of the following: Have $5,000 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $2,500; OR have 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.

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.

5TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on 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.

6Rush 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.

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.

8Covers 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.

9Send 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.

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