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TD Small Business Checking

Compare and choose the small business checking account that meets your needs. All accounts integrate with TD Merchant Solutions, TD Online Accounting and include Online Banking and 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.

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What you get with a TD Small Business Checking account

All TD Small Business Checking accounts come loaded with benefits including:

  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. Longer hours and personalized support
    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

  3. Online Banking with access to accounts and payments
    Online Banking and Mobile Banking with Mobile Deposit7 plus payment options including ACH, Bill Pay5 and Wire Transfers. Set up sub-users and permissions to tailor your account to your business needs

  4. 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

  1. 24/7 Live Customer Service
    Call 1-888-751-9000 and press 0 to talk to a real person 24/7. Get account info, answers to questions about our products and services, open an account and more

  2. 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.8 Accept any type of payment, even contactless from anywhere. Track sales, identify trends, report on customer segments, spending patterns and more

  3. TD Online Accounting6
    Your banking and accounting all in one place. Send online invoices, accept credit card payments and access reporting from within TD Online Banking

See how easy it is to switch to TD Small Business Checking with our checklist (PDF)
Learn about the Top 6 Benefits for Keeping Your Personal and Business Finances Separated

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

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.

1Refer to the Business Deposit Account Agreement for details.

2For 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.

3TD 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.

4Non-profit customers are eligible for waiver of the monthly maintenance fee.

5Business Convenience Checking in-store cash deposits up to $5,000 per statement cycle and $0.25 per $100 deposited thereafter.

6Business Simple Checking in-store cash deposits up to $5,000 per statement cycle and $0.25 per $100 deposited thereafter.

7The 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.

8Fees 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 2 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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