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TD Bank vs TCF Bank

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

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.

While TCF Bank has 320 branches mostly in the Midwest. Offers several checking options, including a no-fee checking and specialty accounts for teens, students, and seniors. Savings account fees can be waived with relatively low balance requirements. CDs require $500 to open.

Compare TD Bank with TCF Bank, side-by-side.

 TD Bank
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TD Bank

TCF Bank

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Benefits and Features

Savings0.05% 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.0.01% APY. Minimum deposit of $25 - $50, depending on account. May have monthly maintenance fee of $0 - $10, depending on account. Can be waived with minimum balance of $100 or $1000, depending on account.
CD0.05% APY (up to 0.10% 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% - 0.25% APY. Slightly higher APY rates with a TCF Checking Account. Terms ranging from 3 months - 120 months. $500 minimum opening deposit.
Money Market0.01% - 0.10% APY (up to 0.15% 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.0.01% APY. $50 minimum opening deposit. $10 monthly maintenance fee, unless you have $1500 minimum balance.
Customer Service24/7 Live Customer Service (Telephone)24/7 Telephone Customer Service
ATMsApproximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida836 ATMs across Illinois, Minnesota, Michigan, Colorado, Wisconsin, Arizona, and South Dakota.
IRA CD0.05% APY (up to 0.10% 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).0.05% - 0.25% APY. Slightly higher APY rates with a TCF Checking Account. Terms ranging from 3 months - 120 months. $500 minimum opening deposit.
Locations1300 locations along the east coast.320 branches across Illinois, Minnesota, Michigan, Colorado, Wisconsin, Arizona, and South Dakota.
 

CreditDonkey® Reviews

 TD Bank
Savings
CD
Checking
Money Market
Customer Service
Mobile App
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
Bottom LineEast Coast bank with relatively low minimum balance requirements... Read full review
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TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

TCF Bank: Pricing information from published website as of 11/27/2020 based on 55441 zip code.

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


Articles on TD Bank


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