TD Small Business Checking


Compare and choose the small business checking account that meets your needs. All accounts integrate with TD Merchant SolutionsTD Online Accounting and includes Online Banking and TD Business Early Pay.1 Plus, get support from our Small Business specialists, either in person or over the phone.

Open an account online now or visit your local TD Bank. Here's what you'll need to open your account.

TD Business Interest Checking Plus

Earn interest on your business deposit balances. An ideal account if you maintain higher balances.

View details

View the account guide

What you get with a TD Small Business Checking account

  1. TD Overdraft Relief
    Manage your business with confidence thanks to TD Small Business Overdraft Relief—you have options for when you don't have the funds to cover your transactions

  2. Online Banking with access to accounts and payments
    Online Banking and Mobile Banking with Mobile Deposit8 plus payment options including ACH, Bill Pay6 and Wire Transfers. Set up sub-users and permissions to tailor your account to your business needs

  3. Instant issue debit card
    Lost or worn card? Stop by a TD Bank near you and get a new business debit card on the spot

  4. 24/7 Customer Service and extended hours
    Call 1-888-751-9000 and press 0 to talk to a real person 24/7. Plus, enjoy the convenience of extended hours at 1,100+ TD Bank locations and connect with a local Small Business Specialist to get customized solutions for your business

  1. Merchant Solutions
    Get your funds faster with next-business-day funding to a TD Checking account. And, waive the monthly fee for TD Business Premier Checking accounts.9 Accept any type of payment, even contactless from anywhere. Track sales, identify trends, report on customer segments, spending patterns and more

  2. TD Online Accounting7
    Your banking and accounting all in one place. Send online invoices, accept credit card payments and access reporting from within TD Online Banking

  3. Business Payment Suite
    We have the convenient payment solutions you need–online, on the go and in person

  4. TD Business Early Pay
    Do more with your money. Receive eligible ACH payments up to 2 days early with TD Early Pay1 – no holds, fees or enrollment

  5. TD Small Business Dashboard
    Access a wealth of information anytime and anywhere with the TD Small Business Dashboard, your business finance intelligence center

Interest on Lawyers Trust Accounts (IOLTA/IOLA)

Law firms can use IOLTA accounts to place client funds into a pooled account that earns interest used to benefit public service programs approved by the state bar.

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More TD small business solutions


Checking Offer:

+Offer valid October 1, 2024 through November 30, 2024 and is available when opening a qualified Checking account at a TD Store or online.

Checking Bonus: You will not qualify for the Checking Bonus if you are an existing TD Bank Business Checking customer OR had a previous Business Checking Account that was closed within the preceding 12 months OR have received a prior Business Checking account bonus at any time. Eligibility is determined based on the SSN/TIN of the business used to open the account.

To qualify for the $500 Cash Back Offer: You must open a new Business Checking account. Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus or Business Premier Checking products are eligible. The criteria below must also be met:
1. Deposit a minimum of $2,500 within the first 25 days and maintain at least a $2,500 balance for 90 additional days from the 25th day after account opening.
2. Conduct 25 qualifying transactions across the first 3 statement cycles. Your eligible transactions include ACH debits/credits, bill pay, Merchant Solutions settlement transactions, incoming/outgoing wires, checks paid, small business Zelle transactions, Visa Business Debit card transactions, digital express remote deposits, and settlement transactions for TD Online Accounting or Tap-to-Pay on iPhone payments received.

After you have completed the requirements outlined above, we'll deposit the bonus in your new account on or before 180 days after 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.

TD Bank's standard account opening requirements and conditions apply. Bonus will be subject to backup withholding to the extent applicable to you under the U.S. Internal Revenue Code if you meet certain other conditions. We 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. TD Bank Employees and Canadian Cross-border banking Customers are not eligible.

View account guide for more details: TD Business Simple Checking, TD Business Convenience Checking Plus, TD Business Premier Checking and TD Business Interest Checking Plus.

1Eligibility of ACH payments for early availability are limited to those coded by the originating financial institution as PPD (Prearranged Payment and Deposit), which are typically for payroll, government benefits, tax refunds and similar payments. All other ACH payment types, deposits or credits to your account, such funds from peer-to-peer payment services (e.g., Zelle®), checks or mobile deposits, and online transfers are not eligible for TD Early Pay. TD Bank does not guarantee that any ACH payments will be made available before the date scheduled by the payor, and early availability of funds may vary between ACH payments from the same payor. Early availability is subject to cut-off times, any limitations we set on the amount of early availability and standard fraud prevention screening.

If an ACH payment not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Business Deposit Account Agreement (BDAA). Except as expressly set forth in the BDAA, funds made available early are subject to the same terms and conditions as other ACH payment to your account. If we’ve made funds available early and the payor reverses or requests a return of the payment, 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, up to the amount of the payment 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.

2Refer to the Business Deposit Account Agreement for details.

3For non-TD Bank, N.A. ATM transactions, the institution that owns the terminal (or the network) may assess a surcharge at the time of your transaction, including balance inquiries.

4TD Business Convenience Checking Plus combined balances includes balances from the TD Business Convenience Checking Plus account and one TD personal checking product. The following personal checking products are excluded: Health Savings Accounts and TD Simply Free Checking. Please see your Business Deposit Account Agreement for more details.

5Non-profit customers are eligible for waiver of the monthly maintenance fee.

6Business Convenience Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.

7Business Simple Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.

8The TD Bank Mobile App is free to download, however, standard wireless carrier message and data rates may apply. Text "Stop" to quit or "Help" for more information. TD Bank Mobile Deposit is available to business customers with an active checking, savings or money market account. Available for most iPhone® and Android™ devices. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

9Fees may apply for optional services. For merchants with a TD Bank settlement account and TD Bank’s standard payment processing setup, funds will be available in the settlement account by 6 PM ET on the next business day. Availability may vary based on merchant-selected payment processing gateway and other chosen services, including but not limited to, the use of non-TD Bank settlement account. Additional restrictions apply. Please consult your Business Account Agreement for details. See the TD Bank, N.A. Member Merchant Agreement for Applicable Merchant Processing Fees and Assessments. Subject to credit approval.

Visit https://www.tdbank.com/merchantsolutionsoffer/ for promotion details.

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