What you get

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,2 overdrafts3 and more.
  • Three ways to go fee-free
    Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or maintain a combined balance of $25,000 across eligible TD accounts.1
  • Free ATMs anywhere you go
    TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance.2
  • Overdraft Payback
    Get overdraft fees automatically reversed up to two times a year.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.
  • Debit card, on the spot
    All of our checking accounts come with an instant-issue debit card. And, you can pay with confidence with Visa® Zero Liability protection6 and 24/7 fraud monitoring.
  • More perks on us
    Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings and Money Market accounts.7 Plus, get free standard check orders, money orders, official bank checks and stop payments.

What you pay

Monthly Maintenance Fee
$25
3 Ways to Waive Fee:
$5,000 monthly in direct deposits or $2,500 minimum daily balance or $25,000 combined balance across eligible TD accounts1
Earns Interest
Yes
ATM Fees
None at TD or non-TD ATMs Other bank fees may be reimbursed2
Checks
Free standard checks or discounted select styles
Online Statements
Free
Paper Statements
Free, including check images
Minimum Opening Deposit
$0
Overdraft Protection
Overdraft protection with no transfer fees8
Free with this Account
Money orders, bank checks, stop payments and incoming wires
Fee Reimbursements Include
Two overdraft fees per year,3 all Rush Bill Payments, and one outgoing wire per statement cycle (domestic or international)
Additional Benefits
Rate discounts on personal or home equity loans,9 safe deposit box discount10

Minimum daily balance to waive monthly maintenance fee

Earn more interest when you keep a higher balance
Current APY*
Required Minimum Daily Balance To Earn APY*
0.01%
$0.01 - $9,999.99
0.03%
$10,000 - $49,999.99
0.05%
$50,000+

Get the most from your new account

TD Bank Debit Card

Shop and bank with your free TD Bank Visa® Debit Card – it's secure and convenient

TD Savings accounts

Whether you're saving for a rainy day or with a goal in mind, start today

TD Home Equity Line of Credit

Turn your home's equity into spending power – plus, get a 0.25% rate discount9

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