![]() ![]() TD Bank offers higher APYs to encourage customers to open multiple accounts and do more banking business with them. Beyond Savings requires a $20,000 minimum daily balance to earn 0.15% APY, the minimum daily balance is $250,000. You get a slightly higher APY if you have a banking relationship with TD Bank and link other qualifying accounts to your savings account. This savings account offers a “relationship bump” rate. There is a $5 monthly maintenance fee for this account, which the bank will waive if you maintain a $300 minimum daily balance or link your savings account to a qualifying TD Bank checking account. ![]() TD Bank offers a few savings accounts, with different APYs depending on your minimum account balance and your overall banking relationship. Whatever age you are, whatever your banking needs may be, TD Bank offers simple checking account options that have helpful features and perks. If you want a basic checking account and are willing to pay a monthly fee of $5.99, this account offers a debit card, online banking and other everyday checking account features with no minimum balance requirement. ![]() TD Bank’s student checking account offers special perks for students and young adults ages 17 to 23, such as no monthly fee and no minimum deposit. It offers interest (0.01% APY), free checks and no monthly fee if you maintain a minimum daily balance of $250. This account is designed for people aged 60 and over. The Beyond Checking account also pays interest, but the APY is currently 0.01%. Qualifying customers with the TD Beyond Checking account also get free ATM transactions at non-TD Bank ATMs, two free overdraft fees per year and other perks like free standard checks. Still, the fee can be waived if you make monthly direct deposits of $5,000 or more, keep a minimum daily balance of $2,500 in the account or have a combined balance of $25,000 across multiple TD Bank accounts. The account charges a $25 monthly maintenance fee. This is a checking account with more perks and features than Convenience Checking, but you need to have a more significant banking relationship with TD Bank to make it worthwhile. This account gives you a debit card, access to online and mobile banking, mobile check deposit, overdraft protection from a connected TD Bank savings account, Zelle to send money, discounts on TD Bank personal loans and home equity loans and other features to manage your financial life. There’s also no monthly maintenance fee for students aged 17 to 23. The $15 monthly maintenance fee is waived if you keep a minimum daily balance of $100. This is the bank’s standard checking account for everyday banking. TD Bank offers five checking accounts with different levels of benefits and features. We used the bank’s New York location for this review. TD Bank’s product details, rate and fee information may vary slightly by location. This review focuses on TD Bank’s personal banking services.Īccount details and annual percentage yields (APYs) are accurate as of April 6, 2021. Learn more about how TD Bank may be able to support your personal financial goals. If you’re in the market for a new bank account or want to move your personal banking relationship to a different place, TD Bank could be a good fit. TD Bank offers some features and perks that are worthy of attention. The bank has more than 150 years of history and serves 9.5 million customers. ![]() It maintains 1,220 branches along the East Coast of the U.S., with footprints in 15 states and Washington, D.C. TD Bank is one of America’s largest banks by assets. ![]()
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