TD Bank vs U.S. Bank
TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to U.S. 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 U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare TD Bank with U.S. Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
TD Bank | U.S. Bank | |
|---|---|---|
Student Checking Account - $100 Bonus - | U.S. Bank Platinum Business Checking - $1,200 Bonus | |
Benefits and Features | ||
| Savings | 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. | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. |
| CD | up to 3.49% APY (up to 3.51% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking | |
| Money Market | 0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | 4,700+ U.S. Bank ATMs across the country |
| Customer Service | 24/7 Live Customer Service (Telephone) | 24/7 Live Customer Service (Telephone) |
| IRA CD | up to 3.49% APY (up to 3.51% for Promotional APY. Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| CD |  | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | East Coast bank with relatively low minimum balance requirements... | Big national bank with wide array of services and many account options... |
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 04/28/2026 based on 08034 zip code. U.S. Bank: Pricing information from published website as of 04/28/2026 based on 91107 zip code. | ||
Which is Better: TD Bank or U.S. 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 Bank of America.
In short: TD Bank's checking is worth mentioning.
Articles on TD Bank
TD Bank Reviews
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 Routing Number
Find your TD Bank routing number by state. Get the correct number with and without a check.
Articles on U.S. Bank
U.S. Bank
Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.
U.S. Bank Savings Account Interest Rate
U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.
Who Owns U.S. Bank
U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.
U.S. Bank Business Checking Requirements
Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.
U.S. Bank Problems
U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.
Chase vs U.S. Bank Business Account
U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.
U.S. Bank Checking Account Bonus
Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.
U.S. Bank Business Checking
Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.
U.S. Bank Routing Number
To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Largest Banks in the US
A list of the largest banks in the US was released. Which banks came out on top? Read on to find out, plus the benefits of working with a big bank.
PNC Bank Hours
PNC Bank is open 5-6 days a week, depending on the location. Here's when you can visit a branch near you.
Best National Bank
There are over 5,000 FDIC-insured banks in America. How do you choose a good national bank to keep your money safe?
Best Bank for Small Business
Discover the top 10 banks for small businesses. Unlock your business' potential with the best bank
PNC Routing Number
Using the wrong routing number could send your money to the wrong place. Find the right PNC routing number for your transactions.
Find Your Routing Number on a Check
Your routing number is the 9 digit code on the bottom of your check. Don't use the wrong number. Find the correct routing number for your bank.
Next Page: TD Bank
