TD Beyond Checking

View the TD Beyond Checking Account Guide.

*Annual Percentage Yield (APY) is accurate as of Jun 3, 2019 and subject to change after the account is opened. Fees may reduce earnings on the account.

^**Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new account within 60 days of account opening. $150 bonus available to eligible new personal checking customers when opening a TD Convenience Checking^SM account with cumulative direct deposit funds of $500 or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. Customers who are employed independently and receive CCD deposits may be required to submit satisfactory proof of payment such as a pay stub. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the Bonus. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and cannot be combined with any other offer. TD Bank employees and Canadian cross-border banking Customers are not eligible.

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 $25,000 minimum daily combined balance of all deposit accounts, all outstanding loan accounts, and/or mortgages in good standing (excludes credit card) that you choose to link.

²Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, 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 reimburses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

⁴Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD 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, 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. To send money for delivery that arrives typically within minutes, a TD Bank Visa^® Debit Card is required. 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. 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^SM 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.

⁸Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.

⁹Loans 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 or Personal Unsecured Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan or Personal 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.

¹⁰Discount for 3" by 5" size; subject to availability.