What you need to open a TD Essential Banking Account
- The basics
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Name, address, phone number and email. If you're under 18, visit a TD Bank store near you with a parent or legal guardian
- Proof of ID
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Social Security Number, birthdate and a government-issued ID
- A way to add money
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Have your account info or debit card from another bank. Or come to any TD store with a deposit2
- Verify your identity
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For your protection, you may need to verify your identity with a few questions throughout the account opening process
What you get with your TD Essential Banking Account
Feel confident about your spending with this checkless, easy-to-use bank account with no overdraft fees or services.
- No overdraft fees or services
Stay on the right track knowing you can only spend what you have in your account3 - We're here when you need us
Visit ATMs, cash checks, and get support at 1,100+ TD locations, plus around-the-clock live Customer Service via phone
- Debit Card, on the spot
Your account comes with a contactless debit card that's easily replaced through the app or in-store. Plus, rest easy with 24/7 fraud text alerts and lock/unlock controls - 24/7 online and mobile access
Keep tabs on your account with Online Banking with Bill Pay, Online Statements, Send Money with Zelle®4 and TD Bank Mobile Deposit5
Get the most from your TD Essential Banking Account
New to Digital Banking?
Find out what you'll need to enroll and explore FAQs to help you get started with Online Banking and the TD Bank app
Finance 101
Find tools and resources for budgeting, paying debt, financial independence and more
Mobile Banking with the TD Bank App
Explore how you can securely bank and manage your accounts anytime, anywhere from your smartphone or tablet
Help build your credit
Apply for a TD Bank Secured Credit Card to start your credit history
Digital Banking Tutorials
Get how-to tours of our Online Banking and TD Bank app services with these interactive tutorials
Protect your identity
Take the right steps to protect your identity with our interactive identity protection guide
What you pay
Monthly Maintenance Fee |
$4.95 |
Daily Balance to Waive Fee |
$0 monthly fee if the primary account holder is age 13 through 171 |
Earns Interest |
No |
ATM Fees |
None at TD ATMs |
Checks |
Personal checks not offered for this account |
Online Statements |
Free |
Paper Statements |
$1 monthly fee |
Minimum Opening Deposit |
$0 |
Overdraft Protection |
Overdraft services do not apply to TD Essential Banking Accounts |
Free with this Account |
TD Bank Mobile Deposit5 |
Additional Benefits |
Zelle®,4 Bill Pay |