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’s most attractive account may be Convenience Checking, which comes with a cool $150 bonus. To skirt the account’s $15 monthly fee, you’ll need to make sure you never dip below the $100 minimum daily balance.

 

Ratings methodology | Updated Jan. 8, 2019

Checking

4.0

You can choose among three main types of TD Bank checking accounts, including TD Simple, a no-minimum-balance account, and TD Beyond, where you’ll earn a small amount of interest. The drawback for TD Simple: It has a mandatory monthly fee of $5.99, but there are no transaction requirements.

 

To qualify for a bonus of $150 or $300, new customers need to open a checking account online and receive direct deposits of at least $500 (TD Convenience) or $2,500 (TD Beyond) within the first 60 days.

 

Also of note: 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

How does TD Bank compare?

TD Bank

TD Simple Savings

cheatgame.info Rating

at TD Bank,

Member, FDIC

APY

0.05%

Monthly Fees

$5

Bonus features

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

cheatgame.info Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

HSBC

Online Savings Account

cheatgame.info Rating

at HSBC,

Member, FDIC

APY

2.30%

Monthly Fees

$0

Bonus features

Competitive APY

No Monthly Fee

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
New account
I wanted to open a $150,000 account. I had two plastic bags of pennies and wanted to include them in the deposit. I was told I had to roll the pennies. I walked out and opened the account at another bank. Too bad no one at TD can roll pennies.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Poor services
Td bank employees are not allowed to help. They have to call for any assistance the customer needs so when a problem happens it easy for whoever they call to be ignorant to the customer and hang them out to dry. If you have e any problems consider them unsolved and be prepared to get ripped off like they have done to so many people that used to have accounts there. If you have 2 accounts they will transfer money without permission. They issue overdraft fees when not called for. They don't really care about the needs or try to help solve any issues.
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