Checking Accounts

Keep a higher balance,
|
Get great features, with a low minimum balance to waive the monthly fee.
View Guide for TD Convenience |
Enjoy simple everyday checking with a low and predictable monthly fee.
View more details View Guide for TD Simple |
TD SimpleSM |
TD ConvenienceSM |
TD PremierSM |
---|---|---|
Monthly Maintenance Fee: |
Monthly Maintenance Fee: |
Monthly Maintenance Fee: |
Minimum Daily Balance Requirement to Waive Fee: |
Minimum Daily Balance Requirement to Waive Fee: |
Minimum Daily Balance Requirement to Waive Fee: |
Earns Interest: |
Earns Interest: |
Earns Interest: |
|
|
|
View more details View Guide for TD Simple |
View more details View Guide for TD Convenience |
View more details View Guide for TD Premier |
All TD Bank checking accounts include:
Online Banking and free Bill Pay with e-bills
Free Mobile Banking with Mobile Deposit2
TD Bank Visa® Debit Card available on-the-spot
Live Customer Service 24/7
Free access at thousands of TD ATMs in the U.S. and Canada
Flexible ways to Send Money with Zelle® via text or e-mail and make internal and external transfers3
Free online statements with check images
Rate discount on TD Bank home loans - .25% off home equity lines of credit4
Choice of overdraft services available
Open early. Open late. Most locations open 7 days
Alternate format statements available, learn more about TD Bank accessibility options.

*Offer 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 CheckingSM 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 CheckingSM 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. 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. Bonus will be reported as taxable income to the IRS on a 1099-MISC. 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.
1Non-TD fees reimbursed when minimum daily balance is at least $2,500 in checking account. 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.
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.
3Send 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.
Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions between enrolled Send Money or Zelle® users typically occur in minutes. If your recipient is not yet enrolled with Zelle®, it may take between 1 and 3 business days after they enroll.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
4Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying personal checking account.
Specialized Accounts
Bundle your accounts and enjoy discounted rates and fees on many bank products and services.
- Maintain combined minimum daily balance of $20,000 (excludes credit card) to waive the $25 monthly maintenance fee
- Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,5001
View Guide for TD Relationship
If you're 60 or older, earn interest and keep a low minimum balance to waive the monthly fee.
- Low minimum balance requirement of $250 to waive the $10 monthly maintenance fee
- Free standard checks, money orders and official checks
View more details
View Guide for TD 60 Plus
If you're under age 24 and enrolled as a full-time student2, you pay no monthly maintenance fee.
- No monthly maintenance fee or minimum daily balance requirement
- No monthly maintenance fee on a TD Simple SavingsSM account linked to a TD Student Checking account
View more details
View Guide for TD Student
All TD Bank checking accounts include:
- Online Banking and Free Bill Pay with e-bills
- Free Mobile Banking with Mobile Deposit3
- TD Bank Visa® Debit Card available on-the-spot
- Live Customer Service 24/7
- Free access at thousands of TD ATMs in the U.S. and Canada
- Easily Send Money with Zelle® to almost anyone and make internal and external transfers4
- Free online notices and statements with check images
- Alternate format statements available, learn more about TD Bank accessibility options.
- Rate discount on TD Bank home loans - .25% off home equity lines of credit5
- Choice of Overdraft services available
- Open early. Open late. Most stores open 7 days
Checking Account Tools, Education and Resources
©2016 Visa U.S.A. Inc.
*Offer 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 CheckingSM 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 CheckingSM 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. 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. Bonus will be reported as taxable income to the IRS on a 1099-MISC. 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.
1For 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.
2Available to students under age 24. If the student is under the age of 18, he/she must open a joint checking account with a parent or legal guardian at a TD Bank location. Proof of active student status is required - student ID or a bill or receipt of payment to/from the institution the student attends. When student benefits expire after 5 years or on student's 24th birthday, whichever comes first, the account will convert to a TD Convenience Checking account.
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.
Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions between enrolled Send Money or Zelle® users typically occur in minutes. If your recipient is not yet enrolled with Zelle®, it may take between 1 and 3 business days after they enroll.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
5Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying checking account.