SuperMoney
  TD Beyond Banking Checking

TD Beyond Banking Checking

in Checking Accounts from TD Bank · Member FDIC

Claimed Special OffersPromo Offer Available!

TD Beyond Banking Checking

Claimed Special OffersPromo Offer Available!

in Checking Accounts from TD Bank · Member FDIC

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend TD Beyond Banking Checking to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Monthly Fee $0 - $25
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $2,500
APY (Annual Percentage Yield) 0.01% - 0.03%

TD Beyond Banking Checking Review

TD Beyond Banking Checking is offered by TD Bank, a bank founded in 1855 and based in Wilmington, DE. TD Beyond Banking Checking is available in 15 states (and Washington, DC).

Key Takeaways
  • $300 Signup Bonus. Open a new account and you can get up to $300 if you deposit a minimum of $2,500 (see terms and conditions for more details).
  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $25, but the fee is waived if you keep a minimum balance of $2,500, have a monthly direct deposit of $5,000, or $25,000 combined balance accross eligible accounts..
  • Free bill pay. Pay your bills to practically anyone in the United States through TD Bank.
  • Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.
TD Beyond Banking Checking Pros & Cons
Pros Cons
  • Free Incoming wires (domestic and international).
  • One outgoing wire fee reimbursed per statement cycle (domestic or international) $30.00 per additional outgoing wire (domestic) $50.00 per additional outgoing wire (international), plus exchange rate, taxes and correspondent fee(s).
  • Generous signup bonus.
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Does not provide access to a nationwide ATM network.
  • Only available in 15 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
TD Beyond Banking Checking FAQ

Are checking accounts from TD Bank federally insured?

Yes, your TD Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does TD Beyond Banking Checking offer?

TD Beyond Banking Checking offers an APY starting at 0.01% and ranging up to 0.03% (APY stands for annual percentage yield, rates may change).

TD Beyond Banking Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01% - 0.03%

What are the account minimums for TD Beyond Banking Checking?

TD Beyond Banking Checking does not require a minimum initial deposit.

TD Beyond Banking Checking Account Minimums
Description Amount
Minimum Initial Deposit $0
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $5,000
Minimum Balance to Avoid Monthly Fee $2,500

What fees does TD Beyond Banking Checking charge?

This account charges a monthly maintenance fee of up to $25.

TD Beyond Banking Checking Fees
Description
Monthly Fee $0 - $25
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $35
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $35
Early Account Closure $0
Returned Deposit Fee (Domestic) $15
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $0
Check Image Service $0
Check Copy $5
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $15
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does TD Beyond Banking Checking offer?

This account includes the following features:

  • Signup Bonus - Open an account and you will receive a signup bonus of up to $300 if you deposit a minimum of $2,500.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - TD Beyond Banking Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Soft credit pull - TD Beyond Banking Checking performs a soft credit pull so you can check whether you qualify without hurting your credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 15 states and Washington, D.C.
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Vermont
  • Virginia

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $5,000
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $2,500
ATM Fee: In-Network $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $5
Monthly Fee $0 - $25
NSF Fee $35
Overdraft Item Fee $35
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Bank Account Features
  • IRAs
  • FDIC Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Soft Credit Pull
  • Free Bill Pay
  • Mobile Banking
  • Check Images with Statement
  • Interest Bearing Account
  • Mobile Check Deposit
Signup Bonus Starting at $300
Signup Deposit Requirement $2,500
APY (Annual Percentage Yield) 0.01% - 0.03%

Be the first to rate

 

Would you recommend TD Beyond Banking Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Checking Accounts

TD Bank Checking Accounts

Loading...