Pros

No monthly fee for TD Convenience Checking if you maintain a balance of at least $100.
Many of the nearly 1,300 East Coast locations are open seven days a week.
$150 sign-up bonus for Convenience Checking customers.
No foreign debit card transaction fees.

Cons

$3 fee for non-TD Bank ATMs with TD Simple and TD Convenience checking accounts.
Earns 0.05% APY on Simple Savings; better rates available elsewhere.

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Overall

3.5

At TD Bank, a brick-and-mortar bank with a strong presence in the Eastern U.S., you’ll find straightforward accounts with average features. TD has three unusual perks: long branch hours, free ATMs in Canada and no foreign transaction fees on debit cards. Its most attractive account may be Convenience Checking, which has a solid bonus.

 

Ratings methodology | Updated Jan. 29, 2020

Checking

3.5

TD Convenience is the most popular checking option and you can waive the steep fee of $15 if you maintain a daily balance of at least $100. And it has that sign-up bonus. But if you receive more than $2,500 in direct deposits a month, you could be eligible for a $300 sign-up bonus on the interest-bearing account, TD Beyond. (Learn more about TD Bank’s sign-up bonuses.)

 

Also of note: The bank has 2,240 ATMs in the U.S. And, if you travel, TD Bank offers a nice perk — no foreign debit card transaction fees. And for customers who visit Canada, there’s no charge to use TD Canada Trust ATMs.

TD Simple Savings
APY
0.05%
Min. balance for APY
$1

at TD Bank,

Member, FDIC

Certificate of Deposit
APY
0.60%
Min. balance for APY
$10,000
Length of term
5 years

at TD Bank,

Member, FDIC

TD Beyond Checking
APY
0.01%
Monthly fee
$25
Balance to waive monthly fee
$2,500

at TD Bank,

Member, FDIC

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Overall
Customer service
Poor
Website / app
Fair
Rates
Fair
Fees
Fair
Poor
Drive through stinks. Must wait five minutes before anyone even comes to you. Especially the td bank on Franklin ave .
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
log in awful
Why can't your web site work--log in has been horrible for weeks. Please hire a CEO who understands tech and spend some money to fix the site in minutes not weeks please!!!
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