Chase vs TD Bank
Chase is a national bank with good promotions for new customers. How does it compare to TD Bank? Read our comparison chart below.
Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.
While 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.
Compare Chase with TD Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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Chase | TD Bank | |
|---|---|---|
Chase Bank $225 Bonus - | TD $300 Beyond Checking Bonus - | |
Benefits and Features | ||
| Savings | Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account. | 0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older. |
| CD | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. | 0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). |
| Checking | Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase. | TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠ |
| Money Market | 0.01% - 0.02% APY (up to 0.03% for Rate Bump 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) | |
| ATMs | Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | |
| IRA CD | 0.05% APY (up to 0.05% 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). | |
| Locations | 1300 locations along the east coast. | |
CreditDonkey® Reviews | ||
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| Pros & Cons | Pros:
| Pros:
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| Bottom Line | National bank with good promotions for new customers... | East Coast bank with relatively low minimum balance requirements... |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 12/17/2020 TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code. | ||
Chase Total Checking® - $225 Bonus
- New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
- Access to 16,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
TD Beyond Checking - $300 Cash Bonus
- New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
Which is Better: Chase or TD Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or CIT Bank.
In short: TD Bank's customer service is outstanding.
Articles on Chase
Chase Reviews
Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.
Open Chase Bank Account
Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
Chase Business Checking Coupon
Right now, Chase Business Complete Checking is offering a $300 bonus for new customers.
You Invest
Chase You Invest App has a bonus promotion, low fees and mutual funds trading. But is it good for beginners? Read this review for the pros and cons.
Chase Routing Number
What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).
How to View Your Chase Bank Statement
You can easily access your Chase bank statement online. Find out how to view your past activity at any time.
How to Setup Direct Deposit with Chase
Get paid faster when you set up direct deposit with Chase. Here's how to get started below, plus how long it takes to get your money.
How to Go Paperless with Chase Bank
Tired of getting paper statements from Chase? Follow this simple guide to go paperless with Chase Bank.
How to Replace Your Chase Debit Card
Need to replace your Chase debit card? Here's how to request a new one through the website, mobile app or customer service.
How to Text Chase Bank for Your Balance
Chase Text Banking lets you check your balance with a simple text. Find out how to sign up for this convenient service below.
Articles on TD Bank
TD Bank
TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.
TD Bank Hours
TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.
Open TD Account
Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.
TD Routing Number
Find your TD Bank routing number by state. Get the correct number with and without a check.
Which Do You Think is Best?
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