TD Essential Banking

A low-cost bank account loaded with easy-to-use digital tools and no overdraft fees or services.

No minimum daily balance requirement, just a low monthly maintenance fee of $4.95
Checkless Account: use online Bill Pay or your contactless debit card to make payments

Easy, 24/7 access to your account with online and mobile banking
Great starter account: No monthly maintenance fee if you're ages 13-17¹

View the TD Essential Banking Account Guide

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 deposit²
Verify your identity: For your protection, you may need to verify your identity with a few questions throughout the account opening process

Or, watch this quick video to see what you need to open an account online

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

Digital Banking 101

Finance 101

Find tools and resources for budgeting, paying debt, financial independence and more

Learn 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

Find out more

Help build your credit

Apply for a TD Bank Secured Credit Card to start your credit history

See card details

Digital Banking Tutorials

Get how-to tours of our Online Banking and TD Bank app services with these interactive tutorials

Explore tutorials

Protect your identity

Take the right steps to protect your identity with our interactive identity protection guide

Learn more^†

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

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

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

Open account

Online

The fastest way to open an account

In person

Visit a TD Bank near you to open your account

By phone

A Banking Specialist can walk you through opening an account online.

1-888-751-9000 1-888-751-9000

Important Disclosures

View the Essential Banking Account Guide.

¹If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. For the TD Essential Banking account the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

²While we don't require a minimum deposit to open, TD may consider your Account closed if it has a zero balance for forty-five (45) Calendar Days.

³Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee or return item fee. For example, preauthorized transactions and other transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.

⁴Send 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 and an active unique e-mail address. 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.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

⁵TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

^†By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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