If you live in a state that TD Bank services, it can be a one-stop shop for your personal financial needs. It offers checking, savings, CDs, business banking and various lending services. Checking and savings accounts are tiered, and more perks are awarded for higher balances, though maintenance fees can get steep. Its tagline is “America’s Most Convenient Bank,” and it has extended hours on weekends and evenings to help substantiate that claim. If you live in an East Coast state, you’ll have access to over 1,300 branch locations and 1,900 ATMs from Maine to Florida.
Best for: East Coast residents who prefer traditional banking and branch access.
Founded in Canada in 1955, TD Bank is a relatively large bank with over 1,100 branches and 2,600 ATMs in 16 states. It offers a host of financial products for personal and business financial management. However, TD Bank is only available to people living in these states:
TD Bank’s offerings aren’t the most competitive, but if you’re not a fan of digital bank accounts, TD’s branch access might be enough to win you over.
It’s a traditional bank with traditional offerings.
TD Bank probably isn’t the place to go if you are looking for fee-free checking or high-yield savings accounts.
TD offers a few checking accounts, including student banking.
You can waive the TD Complete Checking account fee by doing one of these three things:
Waive the TD Beyond Checking monthly fee by doing one of the following:
Rates and availability vary by location, but here are the two savings accounts offered by TD Bank:
TD Bank offers some business banking products. However, for the savings products, the interest rates are not disclosed, so you’ll have to contact TD Bank to learn more. Rates may also vary based on location.
TD offers certificates of deposit (CDs) with decent rates that can vary by location. TD has a low opening deposit requirement, only requiring a minimum of $250. Most banks require at least $1,000.
Here are TD’s CD rates, with the best rates being relationship APYs.
| Term | Relationship APY | Standard APY | Opening deposit requirement |
|---|---|---|---|
| 3 months | 2.75% | 1% | $250 |
| 6 months | 2.75% | 1% | $250 |
| 9 months | 3.75% | 1% | $250 |
| 10 months | 3% | 1% | $250 |
| 12 months | 3.51% | 1% | $250 |
| 18 months | 3% | 1% | $250 |
| 24 months | 3% | 1% | $250 |
| 36 months | 2.75% | 1% | $250 |
| 60 months | 2.25% | 1% | $250 |
Compare top bank accounts with TD Bank.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
| BBB accredited | No |
|---|---|
| BBB rating | 1.16 |
| Trustpilot score | 1.5 out of 5 stars, based on 224 customer reviews |
| Apple App Store Score | 4.8 out of 5 stars, based on 249,300 customer reviews |
| Google Play Score | 4 out of 5 stars, based on 87,000 customer reviews |
| Customer reviews verified as of | 02 June 2025 |
TD Bank has a large amount of feedback to sift through. The main positive trend in reviews was customers saying in-person customer service is strong, reporting helpful customer representatives and bankers.
However, it has a low Better Business Bureau (BBB), poor BBB reviews and poor Trustpilot reviews. Many customers complained about the monthly fees, issues with loan officers, problems with overdrafts and poor customer service over the phone. Many other customers also say that funds and deposits take a while to clear, and some report issues with Zelle transactions.
Access promotional APYs, step rate CDs and more.
24/7 customer support and digital wallet compatibility help this simple checking account shine.
TD’s premier account has some perks, but it may not be worth the cost.
Enjoy surcharge-free ATM access and opportunities to waive fees, but rates vary by state and transfers are limited.