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TD Bank Promotions
TD Bank is currently offering three promotions. Read our in-depth review of TD Bank to see why TD Bank scored 3.4 stars out of 5. We like their extended banking hours, low requirements to waive monthly fees, and no foreign transaction fees.
TD Bank Convenience Checking - $150 Cash Bonus
New customers only. Apply online for a new TD Bank Convenience Checking account and get a $150 cash bonus after you direct deposit more than $500 within 60 days. There is a $15 monthly maintenance fee (waived if you keep a daily balance of at least $100).
You must be a US resident in the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA
TD Bank Premier Checking - $300 Cash Bonus
New customers only. Apply online for a new TD Bank Premier account and get a $300 cash bonus after you direct deposit more than $2,500 within 60 days. There is a $25 monthly maintenance fee (waived if you keep a daily balance of at least $2,500).
You must be a U.S. resident of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA
Refer a Friend Program - $25 for Each Referral
Receive $25 for each friend you refer for TD Bank's personal checking account. Not only do you get $25, your friend also gets $25 when they either: receive a direct deposit OR make at least 15 debit card purchases within 60 days of new account opening. There is no limit to the number of referral bonuses you can earn.
TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.
Checking Account Bonuses
TD Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.
All TD Bank checking accounts offer free online banking, bill pay, mobile deposits, and 24/7 live customer service by phone.
Special Checking Account Features
All TD Bank checking accounts come with these perks:
- Savings Overdraft Protection. If you link a savings or money market account, funds from those accounts will be automatically transferred to cover an overdraft. A transfer fee may apply (waived on some accounts), but you'll save on overdraft fees. This is an optional service that requires enrollment.
To avoid overdrafts, you can set up custom email alerts to alert you when you reach different balance levels ($500, $300, and $100).
- Instant debit card replacement. If you lose your debit card, just stop by a TD Bank and you'll get a new card right on the spot.
- Loan rate discounts. All TD Bank checking customers can get a 0.25% discount when you apply for a Personal Loan or a Home Equity loan. You must enroll in autopay from a personal TD Bank checking or savings account.
- No foreign transaction fees. When you travel abroad, you will pay no foreign transaction fees when you use your TD Bank debit card.
- Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.
How to Avoid TD Bank Checking Account Fees
- TD Simple Checking. This account has no minimum balance requirements, but the $5.99 monthly fee cannot be waived.
- TD Convenience Checking. The $15 monthly service fee can be waived if you maintain a minimum daily balance of $100.
- TD Premier Checking. The $25 monthly service fee can be waived if you maintain a minimum daily balance of $2,500.
- TD Relationship Checking. The $25 monthly service fee can be waived if you maintain a combined balance of $20,000 between TD deposit accounts, loans, and/or mortgage balances.
- TD 60 Plus Checking. The $10 monthly service fee can be waived if you maintain a minimum daily balance of $250.
- TD Student Checking. This account has no monthly service fee and no minimum balance requirements if you're a full-time student under 24.
Highlights
0.05% - 0.30% APY (up to 1.75% for Rate Bump APY). $5 - $15 monthly fee, depending on account. No minimum deposit. Minimum balance will waive monthly fee (depending on account).
0.10% - 0.70% APY (up to 2.30% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
0.05% - 0.35% APY for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old.
24/7 Live Customer Service (Telephone)
Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
0.05% - 0.70% APY (up to 2.30% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
1300 locations along the east coast.
Pricing information from published website as of 11/28/2018
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TD Bank | Bank of America | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.05% - 0.30% APY (up to 1.75% for Rate Bump APY). $5 - $15 monthly fee, depending on account. No minimum deposit. Minimum balance will waive monthly fee (depending on account). | 0.03% APY (up to 0.06% if enrolled in Preferred Rewards). $8 monthly maintenance fee, unless you have 1) daily balance of $500, 2) are a Bank of America Preferred Rewards Client, or 3) link your Rewards Savings Account to your Interest Checking Account. Minimum deposit of $100. |
| CD | 0.10% - 0.70% APY (up to 2.30% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). | Standard Term CD: 0.03% - 0.75% APY. Terms of 28 days to 10 years. Minimum deposit of $1,000. Featured CD: 0.07% - 2.0% APY. Terms of 12, 13, 25, and 37 months. Minimum deposit of $10,000. |
| Money Market | 0.05% - 0.35% APY for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old. | |
| Customer Service | 24/7 Live Customer Service (Telephone) | Mon-Fri 8am - 11pm(ET) Sat-Sun 8am - 8pm (ET) |
| ATMs | Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | Approximately 15,900 ATMs around the country. |
| IRA CD | 0.05% - 0.70% APY (up to 2.30% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | Standard Term CD: 0.03% - 0.75% APY. Terms of 28 days to 10 years. Minimum deposit of $1,000. Featured CD: 0.07% - 2.00% APY. Terms of 12, 13, 25, and 37 months. Minimum deposit of $2,000. |
| Locations | 1300 locations along the east coast. | 4600 retail financial centres around the country and brances in more than 40 other countries. |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 11/28/2018 Bank of America: Pricing information from published website as of 11/28/2018 | ||
Earn $500 in Merchant Solutions
Offer is available to new TD Merchant Solutions customers. Merchant must sign a 3-year Merchant Solutions Processing Agreement and begin processing within 60 days of account opening. Merchant must have a TD Bank Business checking account. Credit will be received within 60 days after processing at least $20 in card transactions. Clover Go accounts are excluded from this offer.
TD Bank Alternatives
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Open a new account and fund within 60 calendar days of account opening with $3,000 or more. Offer is not valid on tax-exempt trusts, 401k accounts, Keogh plans, Profit Sharing Plan, or Money Purchase Plan. Terms apply. See TD Ameritrade's website for details.
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