Last Updated: 01/21/2026
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Highlights
Welcome Offer
Up to $200(Verified 02/14/2025)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 02/14/2025)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $15(Verified 01/21/2026)
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TD Complete Checking Review
The TD Complete Checking is offered by TD Bank, a bank founded in 1855 and based in Wilmington, DE. TD Bank Convenience checking is available in 15 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, TD Complete Checking does not pay interest.
- Waivable monthly maintenance fee. No Monthly Maintenance Fee When You: 1) Maintain a $100 minimum daily balance OR 2) If the Primary account holder is age 17 through 23.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in TD Bank mobile or online banking.
- Soft credit pull. TD Bank will not perform a hard credit pull when you open an account.
TD Bank Convenience checking Pros & Cons
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TD Bank Convenience checking FAQ
Are checking accounts from TD Bank savings accounts federally insured?
Yes, your deposits are insured 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 Bank Convenience checking offer?
TD Bank Convenience checking is not an interest-bearing account.
What are the account minimums for TD Bank Convenience checking?
TD Bank Convenience checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does TD Bank Convenience checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $15.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | No Monthly Maintenance Fee When You: 1) Maintain a $100 minimum daily balance OR 2) If the Primary account holder is age 17 through 23. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TD Bank Convenience checking charge overdraft fees?
Yes, TD Bank Convenience checking charges a $35 fee for every overdraft.What features and perks does TD Bank Convenience checking offer?
This account includes the following features:
- $200 Bonus offer. Open a new account and you can get up to $200 (see terms and conditions for more details).
- 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.
- Fraud monitoring - TD Bank Convenience checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - TD Bank Convenience checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Soft credit pull - TD Bank Convenience checking performs a soft credit pull so you can check whether you qualify without hurting your credit.
What is the customer support email for TD Bank Convenience checking?
The customer support email for TD Bank Convenience checking is customer.service@td.com.
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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.
Message from TD Bank Convenience checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Checking Accounts from TD Bank
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$4.95
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
Starting at $300
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $25
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+33
-1000+100
No one recommends
Everyone recommends
TD Complete Checking Community Reviews
Would you recommend TD Complete Checking to your friends?
NB
Nolan B.
Nov 29, 2022
May or may not recommend
Very friendly. I used this as a child and they were very friendly and helpful and helped guide me and my young siblings how to bank. They even had a program where a kid could read a certain number of books and earn $10. Despite the large company size, they always felt very local and helpful.
LT
Leah T.
Nov 10, 2022
May or may not recommend
I've had my TD Checking account for a few years. I have not had any issues regarding customer service or account mishandling. The bank is convenient and accessible to where I am located in New York and provides what you expect from a checking account.
Sana F.
Sep 28, 2022
May or may not recommend
I used to have an account with TD bank in Seattle but when I moved to Maryland ,I cancelled my account because it doesn't have enough branches or ATM all over US which is not convenient at all so anyone who travels a lot, this bank is not for you!
Showing 3 of 3 reviews
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