Earn extra credit. Like $100 worth.1

Offer is valid to students and young adults ages 17 to 23 who are new checking customers.

New product

New student checking customers

Earn $100 when you open a new TD Complete Checking account.1

Are you a student or young adult ages 17 through 23? Get great student perks from TD Complete 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 Complete Checking account to earn $100.

TD Complete Checking

Limited Time Offer1

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

How Do I Qualify?

  1. Open a TD Complete Checking account
  2. Make 15 qualifying debit card purchases within 60 days of opening account.

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 23,2 or
  • Maintain a minimum daily balance of $500, or
  • Have $500 or more in direct deposits within a statement cycle, or
  • Maintain a $5,000 minimum daily combined balance across all deposit accounts that you choose to link.3

Earns Interest


ATM Fees

Free at TD ATMs

Non-TD ATM fee waived when the primary account holder is aged 17 through 23.4


Discount on first order of select styles

Online Statements


Paper Statements

$3 monthly fee

TD Overdraft Relief

Learn about your flexible overdraft options,5 including Grace Period6 which gives extra time to fix an overdraft

Free with this Account

TD Bank Visa® Debit Card, TD Bank Mobile Deposit,7 Linked personal savings account,8 TD Early Pay9

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®,10 Mobile Deposit7 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,5 including Grace Period,6 which gives extra time to fix an overdraft.

  • TD Early Pay

    Get access to your money up to two business days early with TD Early Pay when you have an eligible direct deposit.9

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 Complete Checking 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 Complete Checking monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met.

3TD Complete Checking monthly maintenance fee can be waived with one of the following: Have $500 or more in direct deposits within a statement cycle, or maintain a minimum daily balance of $500 or, have $5,000 minimum daily combined balance of all deposit accounts that you choose to link.

4TD Complete: Non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

5Overdraft 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.

6When 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.

7TD 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.

8Monthly Maintenance Fee is waived on a TD Signature Savings or TD Simple Savings account when linked to a TD Complete Checking account.

9For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

 When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.  

If a direct deposit is not made available early, it will be made available in accordance with our Funds Availability Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

10Send 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.