TD Bank vs USAA Bank
TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to USAA Bank? Read our comparison chart below.
TD Bank | USAA Bank | |
|---|---|---|
TD $300 Beyond Checking Bonus - | 6-Month CD - 2.25% APY - | |
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. | |
| CD | 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). | 0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open. |
| Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking | Classic Checking, Youth Spending |
| Mobile App | ||
| ATMs | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | 100,000+ USAA and USAA-preferred ATMs |
| Customer Service | 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). | 0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250. |
| Locations | 4 financial centers in Colorado, New York, Maryland, and Texas | |
CreditDonkey® Reviews | ||
| Savings |   |  |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | East Coast bank with relatively low minimum balance requirements... | Savings account with low rate and limited availability... |
TD Bank: Pricing information from published website as of 10/04/2025 based on 08034 zip code. USAA Bank: Pricing information from published website as of 10/11/2025. | ||
Which is Better: TD Bank or USAA 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 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 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 USAA Bank
USAA Routing Number
USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.
USAA Savings Account Interest Rate
Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.
USAA High Yield Savings
USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.
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Which Bank Account is Right for You?
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