Earn extra credit. Like $100 worth.1

Offer is valid to students ages 17-23 who are new checking customers.

Most popular

New student checking customers

Earn $100 when you open a new TD Convenience CheckingSM account.1

Are you a student or young adult ages 17 through 23? Get great student perks from TD Convenience Checking, like no minimum balance requirements and no monthly maintenance fees.2 Plus, new customers can earn a $100 bonus when you make 15 debit card purchases within 60 days.1 Your bonus will be paid on or before 180 days after account opening.

Open a TD Convenience Checking account to earn $100.

TD Convenience Checking

Limited Time Offer1

Earn $100 when you make 15 debit card purchases within 60 days.1

How Do I Qualify?

  1. Open a TD Convenience CheckingSM account
  2. Make 15 qualifying debit card purchases within 60 days of opening account.
  3. Earn $100. Bonus will be paid on or before 180 days after account opening. 

Minimum Opening Deposit


Monthly Maintenance Fee


Ways to Waive Monthly Maintenance Fee

  • Primary account holder is age 17 through 23
  • Or maintain a $100 minimum daily balance

Earns Interest


ATM Fees

Free at TD ATMs


Discount on first order of select styles

Online Statements


Paper Statements

$3 monthly fee

TD Overdraft Relief

Learn about your flexible overdraft options,3 including Grace Period4 which gives extra time to fix an overdraft

Free with this Account

TD Bank Visa® Debit Card, TD Bank Mobile Deposit5

Additional Benefits

Home equity and personal loan rate discounts6

Checking that's easy to get started.

  • Instant-issue card replacement

    Lost or worn card? No problem. Stop by a TD Bank near you and get a new card on the spot.

  • More checking options

    Need something a little different? Take a look at our other checking accounts. You're bound to find something that works for you. (But heads up—these accounts don't include the bonus.)

Get more out of your checking account.

Every TD Bank checking account comes packed with perks.

  • Online & Mobile Banking

    Get 24/7 access to all your TD accounts, plus Bill PaySend Money with Zelle®,Mobile Deposit5 and Online Statements.

  • Live Customer Service, 24/7

    Call 1-888-751-9000 to talk to a real person any time of day, any day of the week.

  • TD Overdraft Relief

    Learn about your flexible overdraft options,3 including Grace Period,4 which gives extra time to fix an overdraft.

View account guides

1Offer available when opened through a qualifying website or in a TD Bank Store. You will not qualify for the Checking Bonus if you are an existing TD Bank personal checking Customer OR had a previous personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account bonus at any time. To receive the $100 checking bonus, you must: 1) Open a new TD Convenience CheckingSM account; AND 2) Complete a minimum of 15 TD Visa® Debit Card purchases within 60 calendar days of the account opening date.

Your Visa® Debit purchases need to be transactions made using your TD Visa® Debit Card to buy goods and services and are net of returns and other adjustments. Net qualifying purchases are determined in the sole discretion of TD Bank and must be posted to your new checking account within 60 calendar days of account opening. Withdrawals made at the ATM do not qualify.

After you have completed the requirements outlined above, we'll deposit the bonus in your new account on or before 180 days of account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing.

Eligibility may be limited based on account ownership. The primary owner of the new personal checking account may be required to complete a valid IRS Form W-9 or substitute IRS Form W-9 to provide certain identifying information. You may be subject to backup withholding at the rate specified in the U.S. Internal Revenue Code if you fail to provide that information or meet certain other conditions. TD Bank may issue you an IRS Form 1099 or other appropriate forms reporting the value of the bonus.

Offer may be withdrawn at any time. TD Bank Employees and Canadian Cross-border banking Customers are not eligible.

2TD Convenience CheckingSM Monthly Maintenance fee can be waived if the primary account holder is age 17 through 23. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.

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.

4When items are presented for payment that result in your available Account balance being overdrawn by more than $50, Overdraft Grace provides you with an opportunity to receive refunds for overdraft fees if your available Account balance is at least $0, inclusive of any pending or posted items, at the end of the next business day.

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.

6Loans 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.

7Send 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.