Small Business Online Banking

Easily manage your small business accounts – and save time – with Online Banking and the TD Bank app. You can even access all your personal and business accounts with one log-in. Explore our interactive tutorials to help you get the most from Online Banking and the TD Bank app.

Want to manage your personal TD accounts with Online Banking? Learn more about Personal Online Banking.

Explore the Benefits of Online Banking

Manage your accounts with ease

Get the most from your small business banking accounts with features that help you manage your finances when and where you want.


Stay on top of your small business account activity with personalized e-mail alerts to help you stay informed and quickly take action.

  • Incoming wire alerts notify you when your account is wired funds
  • Approval needed alerts let you know a sub-user has created a payment that requires your approval
  • ACH return alerts are sent when a transaction has been returned via the ACH processing system
  • New message alerts notify you when you get a message from us in your Online Banking inbox

You can set up and manage your alerts in Small Business Online Banking or the TD Bank app.

Account users and permissions

With Online Banking, you can set up and authorize other people to manage your online business banking accounts. You control and assign roles to users that define their ability to view and access accounts, make transactions, use Bill Pay and more.

To enroll employees and others as account users and set their permissions, log in to Online Banking and go to the "Users & Access" section.

Additional Small Business Online Banking features

  1. Online Statements and Notices
    Get secure online access for up to 7 years of account statements. You can also get an e-mail whenever you receive a statement and other account notifications. Log in to Online Banking or the mobile app to turn off paper.1

  2. Funds transfers
    Online Banking makes it easy to securely transfer money between your TD Bank accounts or to non-TD Bank accounts. You also have the flexibility to make one-time transfers or schedule recurring transfers.

  3. Account dashboard
    View current balance info for all your small business checking, savings, credit card and loan accounts in one place. You can also toggle between your online small business and personal accounts.

  1. TD Online Accounting2
    Getting paid has never been easier. Streamline business accounting and securely accept electronic payments into your TD Small Business Checking account, create custom invoices, track accounts payable and more. Log in to Online Banking to sign up.

  2. Quicken® or QuickBooks® integration
    Integrate your small business accounts with your Quicken or QuickBooks software. Benefits include a consolidated view of multiple financial institutions.

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

Quick and easy payment options

Enjoy flexible Online Banking payment options that let you schedule and manage business payments with an audit trail for payment history.

Tap to Pay on iPhone

Accept all types of in-person, contactless payments right on your iPhone
  1. Open your TD Bank app on your iPhone and enroll in Tap to Pay on iPhone
  2. Enter the amount to be paid, then present your iPhone to the customer
  3. Your customer holds their card or device at the top of your iPhone, over the contactless symbol. When you see the "done" checkmark, the transaction is complete

ACH (Automated Clearing House)

A great way to handle payroll and vendor and tax payments.

  • Money arrives in 2 business days
  • Send money directly to any U.S. bank account, to a single person or multiple recipients
  • Set up templates to send money to the same accounts
  • Reduce hassle and expense of lost or uncashed checks
  • Per batch cost of $10.003

Bill Pay

Your best option for paying day-to-day business bills.

  • Money arrives in 4 business days
  • Send payments to any business or individual in the U.S.
  • No need to write or mail checks
  • Set up one-time or recurring payments
  • Manage user access to your business accounts
  • Next-day payments available and free scheduled payments4

Wire Transfers

A great option for paying vendors quickly and real estate transactions.

  • Money arrives same day or up to 2 business days
  • A fast way to send money to anyone in the U.S. with a bank account
  • Receive proof of payment when your money is received
  • Costs: incoming domestic and international wires $15.00; outgoing domestic wires $30.00; outgoing international wires $50.003


Eligible TD Bank Small Business customers can now receive and send payments with Zelle®7.

  • Enroll right from Online Banking or the TD Bank app.
  • Send payments fast—typically within minutes7—directly from one account to another
  • Share your email address, U.S. mobile number or QR code and customers can pay you wherever you are, with no need for your account information8
  • Improve cash flow—no need to wait for a check to clear

Zelle® FAQs

Zelle® is a fast and easy way for small businesses to receive, request, and send money to customers and vendors they trust. Money is typically sent and received within minutes.7 If your customers use Zelle® they can send payments directly to your TD Bank account within their online or mobile banking app with your email address, U.S. mobile number or your QR code. 

To get started, log into TD Bank’s online banking or mobile app and select “Zelle®”.

Enter your email address or U.S. mobile number, receive a one-time verification code, accept the terms and conditions, and you are ready to start receiving and sending money with Zelle®.

To receive money using Zelle®, share your enrolled email address, U.S. mobile number, or QR code with your customers and ask them to send you payment with Zelle®. After the customer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

To send money with Zelle®, select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you would like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.7

If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

To request money using Zelle® with a small business account, click “Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”8

If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

Simply log into TD Bank online banking or mobile app and select “Zelle®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

There are a few ways you can encourage your customers to pay you with Zelle®.

  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
  • Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).8

Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app. 

Keeping your money and information safe is a top priority for TD Bank. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your TD Bank account safe.

Interactive tutorials to help you get started

See how convenient and easy it is to make transfers and use Bill Pay with our interactive tutorials for Online Banking and the TD Bank app.

Learn how to set up immediate, future and recurring transfers in Online Banking and the TD Bank app.

TD Bank app

Benefits and features

Manage all your TD Bank small business accounts on the go, plus deposit checks, pay bills, transfer money and more. Download now for your Apple® and AndroidTM smartphones and tablets.

  • Bank anytime, anywhere
    View all your account activity, balances and account statements 24/7. Authorized sub-users can also use the app to do approved account functions
  • Deposit checks from your mobile device
    TD Bank Mobile Deposit5 is so simple, we take the picture for you. Save time, gas and paper, and usually access your funds the next business day6
  • Transfer money and pay bills
    Move funds between your accounts, schedule transfers and use Bill Pay securely and easily within the app
  • Bank securely with the latest technology
    Log in with Touch ID and single-use security code. At setup, you can select how to receive your security code: text or voice message

Get the most from the TD Bank app

  • Mobile banking made easy

    If you already use Small Business Online Banking, you can open the app and log in with your existing username and password. If you don't have login information, you can create a username and password right in the app.

    Once you log in, you'll see your small business account(s). You can view your balance and transactions, make transfers, send and receive money, deposit checks, pay bills, view online statements and more.

  • Mobile check deposit 24/7

    Your funds are usually available next business day6 when you use TD Bank Mobile Deposit5 to deposit checks using the camera in your smartphone or tablet.

    Check out this demo to see how easy it is to enroll and make your first mobile check deposit

Digital Wallet

Add your TD small business cards to your mobile device to simplify your online, in-store and in-app purchases for your business.

Get your business online

Discover all the advantages of TD Bank Small Business Online Banking.

Small Business Solutions

1You can call 1-888-751-9000 or visit a TD Bank near you to go paperless.

TD offers a variety of alternate statement formats, including Braille, large print, e-text, accessible PDFs and audio CDs, and enlarged check images for complete record keeping. To find out more, call 1-866-251-3552.

2TD 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.

3For Business Checking accounts on Account Analysis Billing, pricing may vary and other fees may apply based on usage. Please see your Treasury Management Proposal Proforma (for some products a Pricing List is provided instead) or contact your Treasury Management Officer for further details.

4Bill Pay payments are free with up to a 3-day turnaround time. A rush same-day payment feature is available for an additional fee. Please consult your Business Account Agreement for details.

5TD 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.

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

iPhone and iPod Touch are trademarks of Apple, Inc.

Android is a trademark of Google, Inc.

6A business day is every day, except Saturdays, Sundays and federal holidays.

7Send Money with Zelle®, is available for most checking and money market Accounts in the U.S. 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, and an active unique e-mail address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Transactions between enrolled users typically occur in minutes.

Your eligible deposit Account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier. Transaction limitations apply.

8In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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