Get more from your small business checking account


Your TD Bank small business checking account and its built-in services are just the beginning of a great banking relationship. Our small business specialists are readily available to uncover options and solutions that will provide you with a customized banking approach based on your business needs.

Online and mobile banking

Easily manage your money anytime, anywhere, with our Small Business Online Banking and TD Bank app.

  • Access all your business and personal accounts with a single login
  • Schedule and manage online payments with an audit trail for up to 7 years of payment history
  • Link to TD Online Accounting, Quicken® or QuickBooks® with full compatibility
  • Your online account is protected with 2-step verification and customized employee access

Explore our interactive tutorials designed to help you get the most from Online Banking and the TD Bank app

Make payments and purchases with ease

Ways to add money to your account

Making a deposit or transfer on your terms has never been easier.

TD Bank Mobile Deposit2
Depositing checks from your mobile phone is simple – we take the picture for you. Save time and access your funds the next business day.3

Transfer money from other accounts
It's easy and secure to set up one-time transfers or schedule recurring transfers in Online Banking between your TD Bank accounts.

TD Digital Express4
Make check deposits from one or multiple offices with funds available as soon as next business day. Visit any TD Bank or call 1-800-493-7562 to enroll.

Visit your local TD Bank or ATM
Enjoy the convenience of over 1,300 locations with longer hours, including weekends.5 Find a TD Bank or book an appointment

Digital Solutions for accepting more customer payments.

TD offers two ways to accept your customers’ payments, so you can choose which one works best for you. Both easily link to your TD Small Business Checking Account and directly deposit your funds within 1 – 2 days.6,7

  • TD Merchant Solutions

    • Accept all major credit cards, debit cards, and contactless payments, including Apple Pay, Android Pay and more.
    • Upgrade to a TD Business Premier Checking account and pay no monthly checking fees with an active TD Merchant Solutions account.
    • Take in-person payments with Clover at your storefront, tableside, over the phone, on the go or online
    • Solutions that process fully encrypted and tokenized transactions.



    Receive a Clover Go mobile card reader (up to a $165 value) and pay no Clover Platform fees for 3 months OR earn up to $500 with 1% cash back on all transactions for the first three months when you open a Merchant Solutions account.8

    Offer expires December 31, 2022.

  • TD Online Accounting

    • Create and send professional online invoices with your company logo and information.
    • Accept credit and debit cards online, ACH and electronic check payments, all with competitive processing rates.
    • Reduce the hassle of paper invoicing, physical checks and cash payments.
    • Easily track the status of your invoices.
    • Access balance sheets, general ledgers and other reporting.


    Enroll in TD Online Accounting and enjoy no monthly maintenance fees for the first 3 months. After that 3-month period ends the monthly maintenance fee of $10 will be charged.**

    Offer expires December 31, 2022.

Money Market Accounts

Earn interest and maintain access to cash that can help you grow your business. Learn more

Explore more small business solutions


**The TD Online Accounting monthly maintenance fee will be waived for the first 3 months. After that 3-month period ends the, monthly maintenance fee of $10 will be charged. Offer only available to new TD Online Accounting customers from 4/01/2022 through 12/31/2022. TD Online Accounting is powered by Autobooks. Neither TD Bank, N.A., nor any of its subsidiaries or affiliates, is affiliated with Autobooks, Inc (Autobooks). The accounting services referenced herein are provided exclusively by Autobooks and are subject to customer’s agreement to Autobooks’ terms of use. Certain restrictions and fees apply. TD Bank may be entitled to receive fees from Autobooks for customer’s use of accounting services. Use of accounting services from any provider, including Autobooks, is solely at the customer’s election. Autobooks may have a different Privacy and Security policy than TD Bank, N.A. You should review the Privacy and Security policies of the Autobooks website before you provide personal or confidential information. Restrictions may apply for 1–2 day funding availability service.

1Online application is designed for lending needs up to $100,000. Excludes borrowing requests for total aggregate exposures more than $100,000, ACH Line, Letter of Credit, unsecured lending, and entities with more than ten owners. For borrowing requests in excess of $100,000 in total aggregate exposure, please call 1-855-278-8988 to apply with Small Business Specialist. TD Bank's Online SB Loan Application is for borrowing needs with a total business aggregate loan exposure of $100,000 or less. If you have an existing TD Bank business lending relationship, your new loan request plus existing loan request must be $100,000 or less. For revolving products, such as a business credit card or lines of credit, we consider your total credit limit. For non-revolving products, such as a term loan or commercial mortgage, we consider your total current balances. To apply for a loan request of greater than $100,000, please use our paper application that can be downloaded here or requested at any TD Bank location. For more information, please contact a TD small business specialist.

Subject to credit approval.

2TD 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.

The TD Bank Mobile Banking App is only available in English at this time.

3A business day is every day, except Saturdays, Sundays and federal holidays.

4See TD Digital Express for Small Business Service Agreement for more details. Additional fees including early termination, monthly and licensing will apply. Please check your TD Digital Express Fee Schedule for details. Waived implementation fee and discounted pricing offer available to TD Business Premier Checking customers only. Funds generally available next business day. Restrictions may apply.

5Data as of March 2018. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.

6Fees 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 AM 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.

7TD Online Accounting is powered by Autobooks. Neither TD Bank, N.A., nor any of its subsidiaries or affiliates, is affiliated with Autobooks, Inc (Autobooks). The accounting services referenced herein are provided exclusively by Autobooks and are subject to customer’s agreement to Autobooks’ terms of use. Certain restrictions and fees apply. TD Bank may be entitled to receive fees from Autobooks for customer’s use of accounting services. Use of accounting services from any provider, including Autobooks, is solely at the customer’s election. Autobooks may have a different Privacy and Security policy than TD Bank, N.A. You should review the Privacy and Security policies of the Autobooks website before you provide personal or confidential information. Restrictions may apply for 1-2 day funding availability service.

The Clover trademark and logo are owned by Clover Network, Inc., a First Data company.

Offer is available to any new merchant account that is opened from 10/1/2022 through 12/31/2022 and that meets the additional conditions below.

8New merchants will qualify for only one of the Clover Go Offer OR the 1% Cash Back Offer, offer qualified for will be determined by TD Bank based on the device(s) acquired by the new merchant. New merchants acquiring multiple device types including a Clover Go device will only qualify for the 1% Cash Back Offer. Offers only available to new TD Merchant Solutions customers. Merchant must sign a 3-year Merchant Solutions Processing Agreement. Merchant’s Settlement Account must be a TD Bank Business checking account. No payments will be made if both the Merchant Account and the Merchant Settlement Account are not open and in good standing at the time such bonus offer is calculated and paid.

The No Clover Platform Fee will be rebated to merchants as a statement credit the month following the month in which the fees are charged. Maximum number of months the fees can be rebated is three months. Monthly credit will equal the value of the Clover Platform Fee outlined in the Merchant Processing Agreement. The maximum credit earned by merchants who receive the No Clover Platform Fee is capped at $45. Other standard monthly fees are excluded from this offer.

The Clover Go equipment rebate will appear in the Merchant’s Settlement Account up to 90 days after the Merchant Account is approved. Only one Clover Go device will be rebated per Merchant Account subject to a maximum equipment rebate of $165. Merchant must begin processing through their Merchant Solutions account during the first three months the account is opened.

The 1% Cashback offer will be rebated to merchants as a statement credit in the Merchant’s Settlement Account, the month following the month in which qualifying transactions are processed. Merchant must begin processing through their Merchant Solutions account during the first three months the account is opened. TD Merchant Solutions will determine qualifying eligible net volume in its sole discretion (e.g., returns, chargebacks, etc. will not be included).

Earn 1% cash back on eligible net volume (valid gross sales minus any returns) processed during the month their merchant account was approved and the first two full statement cycles following the month the account was approved (maximum of 3 calendar months). The maximum 1% cash back is capped at $500. For example, if you processed $15,000 in eligible net volume during the first 3 months, you would earn $150 cash back.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Google Pay is a trademark of Google Inc.

Next business day funding: Fees 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 AM 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.

Merchant account must be open and in good standing. Fees may apply for optional services. Additional restrictions apply. See the TD Bank, N.A. Member Merchant Agreement for Applicable Merchant Processing Fees and Assessments. Subject to credit approval.

TD Business Premier Checking: First 3 statement cycles waived, then meet one of the following requirements to waive the $30 monthly maintenance fee ($360 annually): 1) $40,000 in combined business deposits and one personal checking account OR 2) active TD Merchant Solutions account OR 3) TD Small Business Line of Credit or Loan OR 4) active TD Digital Express account. TD Business Premier Checking combined balances includes select business checking, business savings and business money market and personal checking products. The following business products are excluded from the combined balances: Lottery Checking, IOLTA/IOLA/IORTA/RAHF/IOREBTA, All Attorney Trust accounts, All Escrow Accounts, All Business CDs and Landlord Tenant Savings. The following personal checking products are excluded: Health Savings Accounts, TD Student Checking and TD Simply Free Checking. Approved Term loans and Commercial Real Estate Mortgage loans can be any loan amount. Approved Lines of Credit must be in amounts greater than $9,999.99. See Business Deposit Account Agreement and Schedule of Charges for details.

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