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

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

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

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

American Express National Bank

High Yield Savings Account

cheatgame.info Rating

at American Express National Bank,

Member, FDIC

APY

2.10%

Monthly Fees

$0

Bonus features

Competitive APY

Live help 24/7

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
TD BANK IS A SCAM
TD Bank is charging their fee for a debit card even if you have a balance $100+ They’re just scammers . Also I had the function with a TD Bank which suppose to block any translation if I don’t have enough funds on my balance. And I called to the customer service just to make sure it’s working. And a few days later I’ve checked my statement and my balance went negative and a TD Bank charged me $35 dollars for the function which supposed to be working but it failed. Few days after that I got charged $15 dollars when my balance was $160+. ITS A SCAM . Please close your TD bank account because they will be overcharging you.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
terrible service for mortgage/escrow - multiple occurrences
I noticed my mortgage payment increased +$500 in April. Found out they assigned an insurance plan - no big deal. So I sent a declaration of my actual insurance plan that same day. May rolls around - mortgage payment still remains +$500 more than normal. This time they told me they didn't receive the insurance declaration. Faxed it over for them this time as requested and I'm suppose to receive a call back within 48hrs. No call. I call back 3 days later for updated escrow adjustment so I can pay my mortgage on time. A different TD Bank rep. tells me my payment went up because of taxes this time (false- I have the tax breakdown shown on your TD escrow report that you created this month showing annual forecast). Ask for them to adjust my escrow. The don't know what I'm looking at and they can only send out a new escrow analysis which will take 7-10 business days. On top of that - one rep. told me I would receive the insurance reimbursement in form of check in May which I specifically asked over and over because I didn't believe it. Today a different rep. tells me that it would be put into the escrow and NOT in the form of a check. On top of that - the rep. today tells me I was already reimbursed and it's reflected in the escrow. Well she was wrong - the reimbursement shows as a $2,600 CHARGE to my annual escrow NOT a reimbursement so my payment still remains way higher than it's suppose to. People make mistakes but I like to believe most people try to make it right. So far 3 out of 3 reps from TD Bank passed along my problem and took me in different directions so that they can be done with my situation. They were not consistent. There are calculation errors and mistakes but the biggest issue is their ignorance. They can't seem to help me in any way other than request or send something new and pass along the problem. And this is who his handling the biggest purchase of your life? I'm sorry but I am a very reasonable person and I never write reviews. This review was earned.
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