New customers can earn up to $3001
TD Bank Checking Accounts
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TD Beyond Checking
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TD Convenience CheckingSM
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Compare TD Checking Accounts
TD Beyond Checking
New customers can earn $300.1
Earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account.1
What you get
- Three ways to go fee-free
Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or maintain a combined balance of $25,000 across eligible TD accounts.4 - Free ATMs anywhere you go
TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance.2 - Overdraft Payback
Get overdraft fees automatically reimbursed up to two times a year.3
- Payment options
Get your money where it needs to go—fast—with Send Money with Zelle®.5 Plus, get reimbursed for all Rush Bill Payments,6 incoming wires and one outgoing wire (domestic or international) per billing cycle. - Debit card, on the spot
All of our checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection,7 and 24/7 fraud monitoring. - More perks on us
Monthly maintenance fee waived on one TD Simple CheckingSM account and any savings and money market accounts.8 Plus, get free standard check orders, money orders, official bank checks and stop payments.
What you pay
Monthly Maintenance Fee |
$25 |
3 Ways to Waive Fee: |
$5,000 monthly in direct deposits or $2,500 minimum daily balance or $25,000 combined balance across eligible TD accounts4 |
Earns Interest |
Yes, tiered interest rates |
ATM Fees |
None at TD or non-TD ATMs Other bank fees may be reimbursed2 |
Checks |
Free standard checks or discounted select styles |
Online Statements |
Free |
Paper Statements |
Free, including check images |
Minimum Opening Deposit |
$0 |
Overdraft Protection |
Overdraft protection with no transfer fees9 |
Free with this Account |
Money orders, bank checks, stop payments, incoming wires |
Fee Reimbursements Include |
Two overdraft fees per year,3 all Rush Bill Payments,6 one outgoing wire per statement cycle (domestic or international) |
Additional Benefits |
Rate discounts on personal or home equity loans,10 safe deposit box discount11 |
Still deciding on a checking account?
Get the most from your new account
TD Bank Debit Card
TD Savings accounts
TD Home Equity Line of Credit
Open an account online
View the TD Beyond Checking Account Guide.
1Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new account within 60 days of account opening. $150 bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of $500 or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. Customers who are employed independently and receive CCD deposits may be required to submit satisfactory proof of payment such as a pay stub. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and cannot be combined with any other offer. TD Bank employees and Canadian cross-border banking Customers are not eligible.
2Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
3Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.
4Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or $25,000 minimum daily combined balance of all deposit accounts, all outstanding loan accounts, and/or mortgages in good standing (excludes credit card) that you choose to link.
5Send 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, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier. Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
6Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.
7Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.
8TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on one additional TD Simple CheckingSM account and all personal savings accounts that you choose to link to your TD Beyond Checking account. Waivers expire when the TD Beyond Checking account is closed.
9Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.
10Loans 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.
11Discount for 3" by 5" size; subject to availability.
Minimum daily balance to waive monthly maintenance fee
TD Convenience CheckingSM
New customers can earn $150.1
Earn $150 when you receive direct deposits of $500 or more within 60 days of opening your account.1
What you get
- Easily waived fees
Maintain $100 minimum daily balance to waive $15 monthly maintenance fee - Instant issue card replacement
Lost or worn card? No problem. Stop by a TD Bank near you and get a new debit card on the spot - Easy, 24/7 access to accounts
Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit2, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
- Rate discounts
Get a 0.25% discount on TD Bank Home Equity and Personal Loans4 - Free for students and young adults
No monthly maintenance fee and no minimum daily balance requirements if you're a young adult ages 17 through 232
What you pay
Monthly Maintenance Fee |
$15 |
No Monthly Fee When You: |
Maintain a $100 minimum daily balance; or Are a young adult ages 17 through 23 |
Earns Interest |
No |
ATM Fees |
None at TD ATMs |
Checks |
Discount on first order of select styles |
Online Statements |
Free |
Paper Statements |
$1 monthly fee |
Minimum Opening Deposit |
$0 |
Overdraft Protection |
Savings Overdraft Protection available5 |
Free with this Account |
TD Bank Mobile Deposit3, Plus, if you're a young adult age 17 through 23: Linked TD Simple Savings account,6 Overdraft protection transfers5 |
Additional Benefits |
Rate discounts on personal or home equity loans4 |
Still deciding on a checking account?
Get the most from your new account
TD Bank Debit Card
TD Savings accounts
TD Home Equity Line of Credit
Open an account online
View the TD Convenience CheckingSM Account Guide.
1Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new account within 60 days of account opening. $150 bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of $500 or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and cannot be combined with any other offer. TD Bank employees and Canadian cross-border banking Customers are not eligible.
2TD Convenience CheckingSM 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 the minimum daily balance is maintained.
3TD 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.
4Loans 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.
6One TD Simple Savings monthly maintenance fee waiver placed upon Customer request and expires upon Customer's 24th Birthday.
Minimum daily balance to waive monthly maintenance fee
Compare TD Checking Accounts
TD Beyond Checking |
Earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account1
|
TD Convenience CheckingSM |
Earn $150 when you receive direct deposits of $500 or more within 60 days of opening your account1
|
TD Beyond Checking |
$25
|
TD Convenience CheckingSM |
$15
|
TD Beyond Checking |
|
TD Convenience CheckingSM |
|
TD Beyond Checking |
Yes, tiered interest rates
|
TD Convenience CheckingSM |
No
|
TD Beyond Checking |
|
TD Convenience CheckingSM |
None at TD ATMs |
TD Beyond Checking |
Free standard checks or discounted select styles
|
TD Convenience CheckingSM |
Discount on first order of select styles
|
TD Beyond Checking |
Free
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TD Convenience CheckingSM |
Free
|
TD Beyond Checking |
Free, including check images
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TD Convenience CheckingSM |
$1 monthly fee
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TD Beyond Checking |
$0
|
TD Convenience CheckingSM |
$0
|
TD Beyond Checking |
Overdraft Protection with no transfer fees4
|
TD Convenience CheckingSM |
Savings Overdraft Protection available4
|
TD Beyond Checking |
|
TD Convenience CheckingSM |
|
TD Beyond Checking |
|
TD Convenience CheckingSM |
N/A
|
TD Beyond Checking |
0.25% TD Home Equity and Personal Loan rate discounts11
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TD Convenience CheckingSM |
0.25% TD Home Equity and Personal Loan rate discounts11
|
TD Beyond Checking
|
TD Convenience CheckingSM
|
|
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Special Offer |
Earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account1 |
Earn $150 when you receive direct deposits of $500 or more within 60 days of opening your account1 |
Monthly Maintenance Fee |
$25 |
$15 |
No Monthly Maintenance Fee When You: |
|
|
Earns Interest |
Yes, tiered interest rates |
No |
ATM Fees |
|
None at TD ATMs |
Checks |
Free standard checks or discounted select styles |
Discount on first order of select styles |
Online Statements |
Free |
Free |
Paper Statements |
Free, including check images |
$1 monthly fee |
Minimum Opening Deposit |
$0 |
$0 |
Overdraft Protection |
Overdraft Protection with no transfer fees4 |
Savings Overdraft Protection available4 |
Free with this Account |
|
|
Fee Reimbursements Include |
|
N/A |
Additional Benefits |
0.25% TD Home Equity and Personal Loan rate discounts11 |
0.25% TD Home Equity and Personal Loan rate discounts11 |
Open a TD Checking account today
TD Beyond Checking
Earn interest and get reimbursed for fees like ATM transactions,3 overdrafts9 and more
TD Convenience CheckingSM
Get all the benefits of everyday banking and a low minimum daily balance requirement
View the account guide for TD Beyond Checking and TD Convenience CheckingSM.
1Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new account within 60 days of account opening. $150 bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of $500 or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and cannot be combined with any other offer. TD Bank employees and Canadian cross-border banking Customers are not eligible.
2Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle, or $2,500 minimum daily balance is maintained, or $25,000 minimum daily combined balance of all deposit accounts, all outstanding loan accounts, and/or mortgages in good standing (excludes credit card) that you choose to link.
3Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
4Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.
5TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on one additional TD Simple CheckingSM account and all personal savings and money market accounts that you choose to link to your TD Beyond Checking account. Waivers expire when the TD Beyond Checking account is closed.
6Discount for 3" by 5" size; subject to availability.
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.
8Send 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, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier. Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
9Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.
10Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.
11Loans 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.