What you need to open a TD Essential Banking Account

The basics
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
Social Security Number, birthdate and a government-issued ID
A way to add money
Have your account info or debit card from another bank. Or come to any TD store with a deposit
Verify your identity
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 account2
  • 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®3 and TD Bank Mobile Deposit4

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 Deposit4
Additional Benefits
Zelle®,3 Bill Pay

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