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  TD Convenience Checking

TD Convenience Checking

in Checking Accounts from TD Bank · Member FDIC

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TD Convenience Checking

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in Checking Accounts from TD Bank · Member FDIC

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Highlights
Highlights
Monthly Fee $0 - $15
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $100
APY (Annual Percentage Yield) 0%

TD Convenience Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, TD Convenience Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $15, but the fee is waived if you keep a minimum balance of $100.
  • No ATM fees. TD Convenience Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through TD Bank.
  • Hard credit pull. TD Bank may require a hard pull on your credit report to open a checking account.
TD Convenience Checking Pros & Cons
Pros Cons
  • $150 or $300 sign up bonus with direct deposit
  • Interest earning account
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • $25 monthly fee if minimum $2500 balance is not maintained.
  • No signup bonus.
  • Does not earn interest
  • Not FDIC-insured.
  • Only available in 15 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
TD Convenience 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 Convenience Checking offer?

TD Convenience Checking is not an interest-bearing account.

What are the account minimums for TD Convenience Checking?

TD Convenience Checking does not require a minimum initial deposit.

TD Convenience Checking Account Minimums
Description Amount
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $100

What fees does TD Convenience Checking charge?

This account charges a monthly maintenance fee of up to $15.

TD Convenience Checking Fees
Description
Monthly Fee $0 - $15
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $35
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $35
Early Account Closure $15
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 $2
Check Copy $5
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
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 Convenience Checking offer?

This account includes the following features:

  • Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
  • Check images with statement - Reconciiling your accounts ank 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 Convenience Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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 Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 0%
Online Bill Pay Fee $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
Check Image Service $2
Early Account Closure $15
Monthly Fee $0 - $15
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • Automatic Savings
  • Bauer Financial A+/A Rating
  • Check Images with Statement
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No ATM Fees

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