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TD Bank vs Chase

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Chase? 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 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.

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

 TD BankChase
 Visit SiteVisit Site
 

TD Bank

Chase

SPECIAL OFFER
TD $300 Beyond Checking Bonus - Learn More

Read TD Bank Review

SPECIAL OFFER
Chase Bank $200 Bonus - Learn More

Read Chase 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.
  • 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.
CD0.05% to 1.00% APY (up to 4.25% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
CheckingTD Simple Checking℠, TD Beyond Checking, TD Convenience 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.
Customer Service24/7 Live Customer Service (Telephone) 
ATMsApproximately 700 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
16,000+ Chase ATMs
IRA CD0.05% to 1.00% APY (up to 4.25% 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). 
Locations1100 locations along the east coast.
Over 4,700
 

CreditDonkey® Reviews

 TD BankChase
SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarStarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
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:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineEast Coast bank with relatively low minimum balance requirements... Read full reviewNational bank with good promotions for new customers... Read full review
 Visit SiteVisit 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 12/22/2022 based on 08034 zip code.

Chase: Pricing information and data points from published website as of 12/17/2020

TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

Expires 10/31/2023
  • 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, Overdraft Payback and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • 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 contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
TD Bank
Member FDIC

TD Convenience Checking℠ - $200 Cash Bonus

Expires 10/31/2023
  • Earn $200 when you receive direct deposits totaling $500 or more within 60 days
  • Low minimum daily balance of $100 waives the $15 monthly fee.
  • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
  • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you
  • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
  • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Get a 0.25% discount on TD Bank Home Equity and Personal Loans.
Chase
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 4/19/2023
  • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
  • Access to more than 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.
  • Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 4/19/2023
  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early - exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started.
  • No overdraft fees with a Chase debit card that helps you stay within your balance.
  • Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
  • No paper checks to track and no Chase fees on money orders or cashier's checks.
  • Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
  • Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
Chase
Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Expires 2/16/2023
  • Earn $300 when you open a new Chase Business Complete Checking℠ account. For new Chase business checking customers with qualifying activities.
  • Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
  • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
  • Same-day deposits with QuickAccept. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
  • Alerts to help you stay on top of your account activity.
  • Easy account management through Chase Business Online and the Chase Mobile® app.
  • Unlimited electronic deposits, ACH and Chase QuickDeposit℠
  • Convenient access to more than 16,000 ATMs and more than 4,700 branches.

Which is Better: TD Bank or Chase?

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 Citibank.

In short: TD Bank's customer service is outstanding.


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 Convenience Checking Bonus

TD Bank is offering a $200 sign-up bonus for opening a Convenience Checking ℠ account. Learn more about this promotion below.

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.

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 Bank Offers

What promotions does Chase have right now? Find out how much you can earn and how to qualify for the latest Chase bank promotions.

Chase Total Checking Bonus

Chase Total Checking is offering $200 for opening a new account. Find out how to qualify for the bonus below.

Chase Business Checking Coupon

Right now, Chase Business Complete Banking is offering a $300 bonus for new customers. Find out how to get this business checking promotion.

Chase Business Complete Banking Review

Chase Business Complete Banking offers an all-in-one account with checking and credit card processing. Read on to learn about the fees and bonuses.

Chase Secure Banking Coupon

Earn $100 when you open a Chase Secure Banking℠ with qualifying activities. Here's how to grab the special offer.

How to Open a Chase Business Bank Account

Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

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).

Which Do You Think is Best?





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