TD Bank Checking Accounts

View the TD Premier 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 Premier Checking^SM 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 Checking^SM 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. TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the Bonus. Offer may be withdrawn at any time and is subject to change.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.

³Loans 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.

⁴Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.

View the TD Checking Account Guides.

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 Premier Checking^SM 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 Checking^SM 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. 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. 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. TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the Bonus. 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.

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.

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, 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.

External transfer services are available for most personal checking, money market and savings accounts. To use these services you must have an Online Banking profile with a U.S. address, a unique U.S. 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. Fees may apply depending on delivery options.

For more information, read the Terms and Conditions.

Must have a bank account in the U.S. to use Send Money with Zelle^®. Transactions typically occur in minutes between enrolled users. If a recipient is not yet enrolled with Zelle^®, it may take between 1 and 3 business days to receive the money once the enrollment is complete. To receive money in minutes, the recipient's email address or U.S. mobile number must already be 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.

Send Money with Zelle is only available in English in secure Online Banking.

⁵Loans 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.