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TD Bank vs Axos Bank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Axos Bank? Read our comparison chart below.

TD Bank has over 1,100 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.

While Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

Compare TD Bank with Axos Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 TD Bank
Member FDIC
Axos Bank
Member FDIC
 Learn MoreVisit Site
 

TD Bank

Axos Bank

SPECIAL OFFER
TD $300 Beyond Checking Bonus - Learn More

Read TD Bank Review

SPECIAL OFFER
Rewards Checking - Up to 3.30% APY - Learn More

Read Axos Bank Review

 

Benefits and Features

Savings0.02% 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.0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)
CD1.00% APY (up to 5.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
CheckingTD Simple Checking℠, TD Complete Checking, TD Beyond CheckingRewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback
Money Market 
0.25% APY
Mobile App 
iOS & Android
ATMsApproximately 700 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and FloridaApproximately 91,000 partner ATMs
Customer Service24/7 Live Customer Service (Telephone)
24/7
IRA CD1.00% APY (up to 5.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). 
Locations1100 locations along the east coast.
Online only
 

CreditDonkey® Reviews

 TD BankAxos Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
CDStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarStarStar
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStar
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
Pros & ConsPros:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast
Pros:
  • Checking with rewards
  • No monthly fee
  • Domestic ATM rebates
Cons:
  • Low CD rates
  • No physical branches
Bottom LineEast Coast bank with relatively low minimum balance requirements... Read full reviewFull-service online bank with excellent cashback and interest checking... Read full review
 Learn MoreVisit Site

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 03/15/2024 based on 08034 zip code.

Axos Bank: Pricing information from published website as of 03/01/2024.

TD Bank
Member FDIC

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
  • Three ways to go monthly maintenance fee-free: Monthly Maintenance fee waived when you set up direct deposits of $5,000 or more within a statement cycle, maintain a $2,500 minimum daily balance, or have a $25,000 combined balance across eligible TD accounts.
  • ATM perks: TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
  • Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
  • Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
  • Get reimbursed for fees including two overdraft fees per year, all Rush Bill Payments, and one outgoing wire per statement cycle (domestic or international).
  • Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus Bill Pay, Send Money with Zelle®, Mobile Deposit and Online Statements.
TD Bank
Member FDIC

TD Complete Checking - $200 Cash Bonus

  • New customers who open a TD Complete Checking account online can earn a $200 cash bonus after receiving direct deposits of $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

  • 3 different ways to waive the $15 monthly maintenance fee, including direct deposits
  • Build savings by waiving the monthly maintenance fee on one linked personal savings account of your choice
  • A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
  • Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
  • Age based perks: Monthly Maintenance fee waived if the primary account owner is aged 17 – 23, plus non-TD ATM fees waived. Free standard checks and $0 paper statement fee for aged 60+
  • Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
  • Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus TD Early Pay, Bill Pay, Send Money with Zelle®, Mobile Deposit and Online Statements.
Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

Expires 6/30/2024
  • Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
  • Up to 3.30% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account
Axos Bank
Member FDIC

Basic Business Checking - Up to $400 Bonus

Expires 6/30/2024
  • Business owners get up to $400 welcome bonus!*
  • Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
  • Zero opening deposit and cash deposits accepted
  • Zero minimum monthly balance requirements
  • Two domestic wire reimbursements monthly
  • Unlimited domestic ATM fee reimbursements
  • Enhanced Visa benefits and first 50 checks free
  • Dedicated relationship manager and more
Axos Bank
Member FDIC

CashBack Checking - Earn up to 1.00% Cash Back

  • Earn up to 1.00% cash back on signature-based purchases
  • Unlimited domestic ATM fee reimbursement
  • No monthly maintenance fee
  • $50 minimum balance required to open account

Which is Better: TD Bank or Axos Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing TD Bank or Chase.

In short: Axos Bank's savings and money market are notable.


Articles on TD Bank

TD Bank Review

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.

Open TD Bank 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.

Articles on Axos Bank

Axos Bank Review

Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account.

Axos Business Checking

Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

Is Axos Bank Safe

Is Axos Bank safe and legit? Find out if Axos is a good bank and learn more about its pros, cons, and common complaints.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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