M&T Bank vs TD Bank
M&T Bank | TD Bank | |
|---|---|---|
Personal Checking Account - Up to $200 Bonus - | TD $300 Beyond Checking Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account | 0.02% 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 from 32 days to 72 months. Minimum opening deposit $1,000. | up to 3.69% APY (up to 3.70% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). |
| Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking | |
| Mobile App | ||
| ATMs | More than 1,800 M&T Bank ATMs in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | 24/7 Live Customer Service (Telephone) |
| IRA CD | up to 3.69% APY (up to 3.70% for Promotional APY. Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | |
| Locations | 960+ bank branches located throughout Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | |
CreditDonkey® Reviews | ||
| Savings |   | |
| CD |  | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | East Coast bank with relatively low minimum balance requirements... | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M&T Bank: Pricing information from published website as of 11/27/2025 based on 14203 zip code TD Bank: Pricing information from published website as of 11/22/2025 based on 08034 zip code. | ||
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 Beyond Checking Bonus
TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.
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.
TD Bank Open Account
Open your TD Bank account with ease. All details in this comprehensive guide. Don't miss the bonus.
TD Bank Routing Number
Find your TD Bank routing number by state. Get the correct number with and without a check.
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