TD Bank brands itself as "America's Most Convenient Bank," emphasizing extended hours and Sunday availability. Operating primarily on the East Coast, TD Bank offers traditional banking with better accessibility than most competitors.
TD Bank Checking Accounts
TD Convenience Checking
Standard checking with a $15 monthly fee, waived with $100+ balance—one of the lowest waiver thresholds among traditional banks. Features include:
- No minimum opening deposit
- Debit card with contactless payment
- Online and mobile banking
- 24/7 live customer service
TD Beyond Checking
Premium checking at $25 monthly, waived with $2,500+ balance or combined $25,000+ with TD Wealth. Benefits include:
- Unlimited non-TD ATM fee reimbursements
- No incoming wire transfer fees
- Relationship rate discounts
- Free checks and money orders
TD Simple Checking
No-frills account with no overdraft fees. The $5.99 monthly fee provides basic banking without overdraft concerns.
TD Bank Savings
TD Simple Savings
Basic savings with a $5 monthly fee, waived with $300+ balance. Interest rates are low compared to high-yield online savings, but integration with TD checking adds convenience.
TD Money Market
Higher rates for larger balances with check-writing ability. The $12 monthly fee requires $2,500 to waive, but rates become more competitive at higher balance tiers.
Convenience Banking Features
TD Bank's key differentiator is accessibility:
- Extended hours: Many locations open until 8pm weekdays
- Sunday hours: Most branches open Sundays
- Penny Arcade: Free coin counting for customers
- 24/7 customer service: Live phone support anytime
For customers who can't bank during traditional business hours, TD Bank provides genuinely superior access.
TD Bank Digital Banking
The TD app includes:
- Mobile deposit
- Zelle payments
- Bill pay and management
- Spending insights
- TD MySpend for tracking
Geographic Coverage
TD Bank operates primarily from Maine to Florida along the East Coast, with strong presence in:
- New England states
- New York and New Jersey
- Pennsylvania and Delaware
- Florida
- Washington D.C. area
Limited presence exists outside these regions.
Fee Structure
Key fees:
- Overdraft: $35 per item
- Non-TD ATM: $3 per transaction
- Wire transfers: $25-50 depending on type
- Foreign transaction: 3%
Credit Card Options
TD Bank offers branded credit cards through partnerships, though the selection is limited compared to major issuers. For better credit card options, pair TD banking with cards from Chase or Amex.
Who Should Bank with TD Bank?
TD Bank fits customers on the East Coast who need extended banking hours, Sunday availability, or 24/7 customer service access. The convenience factor genuinely differentiates TD from competitors with traditional banking hours.
For better rates or nationwide coverage, online banks or national banks serve better.
Find locations at TD.com
