How to Open a TD Bank Account

TD Bank is one of the largest banks in the U.S. They are known for offering extended hours and superior customer service, they offer multiple types of personal bank accounts, loans, and other financing.

Below, you can find out how to open a TD Bank account.

How To Open a TD Bank Account

Opening a TD Bank account can be done in person at a TD Bank location or online!

Opening an account requires:

• Driver’s license/state ID
• Social Security number
• Personal/contact info (date of birth, address, phone number, and email)
• Money for an opening deposit

When filling out your application it is important to know what type of account you would want to open. TD Bank offers] four types of checking accounts and three types of savings accounts.

Checking Accounts

TD Bank offers four types of checking accounts and three types of savings accounts, all accounts can be mixed and matched or used individually.

• All of TD Bank’s checking accounts give account holders access to all TD Bank ATMs and mobile or in-person check deposits.
• TD Checking Accounts:
  • Simple Checking
  • Convenience Checking
  • Beyond Checking
• TD Monthly Fees:
  • Simple Checking
    • $5.99 Monthly Service Fee
  • Convenience Checking
    • $15 Monthly Service Fee
    • Waive by meeting one of these conditions:
      • Maintain a daily balance of at least $100
      • Being 17 through 23 years old
  • Beyond Checking
    • $25 Monthly Service Fee
    • Waive by meeting one of these conditions:
      • Have at least $5,000 deposited via direct deposit every month
      • Maintain a minimum $2,500 balance every day in the account
      • Keep a minimum $25,000 daily balance across all TD accounts

Saving Accounts

TD Bank has three different savings accounts, each with its own interest rate. Each account comes with free mobile deposits and the ability to use any TD Bank

• TD Saving Accounts
  • Simple Savings:
    • 0.05% APY for all balances
    • No minimum required opening deposit
    • $4 monthly fee(if you choose online statements only) or $5
      • You can waive that fee for the first year by:
      • Linking a TD Bank checking account
      • Setting up an automatic $25 recurring deposit every month
      • After the first year, you’ll have to maintain a $300 minimum daily balance to waive the fee
  • Growth Money Market:
    • APY ranges from 0.03% to 0.25%
    • High APY rates with automatic deposits of $50 or more per month
    • No required minimum opening deposit
      • $11 monthly fee (if you choose online statements only) or $12
      • Waive that monthly fee by maintaining a balance of at least $2,000 a day or being 62 or older
  • Preferred Savings:
    • APY ranges from 0.05% to 1.00%
    • Higher APY rates for linking any personal or small business checking account, credit card, home equity, or mortgage through TD Bank
    • No required minimum opening deposit
    • Charges no ATM fees when using non-TD Bank ATMs
    • $14 monthly fee (if you choose online statements only) or $15
      • Waive that monthly fee by maintaining a balance of at least $20,000 a day

Author’s Verdict

If you choose to open an account with TD Bank hopefully the above information makes that process easier! TD requires pretty standard information that most banks ask for, and they provide a variety of perks for their accounts!

Hopefully the above information helps you understand whether or not you want to open a TD account.

Also be sure to check out our own lists of bank promotions and CD tables!

Chase Coupon Codes 2025 ($100, $200, $300, $400, $500, $700, $2000 Checking Bonuses)

Discover Bank Promotions: $150/$200 Savings Bonus, $360 Cashback Debit Bonus, Up to 4.00% APY for 2025

Huntington Bank Bonuses & Promotions: $100, $400, $1,000 Checking Offers 2025

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