TD Convenience Checking Review
TD Convenience Checking is offered by TD Bank,
founded in 1855 and based in Wilmington, DE.
TD Convenience Checking is available in
15 states (and Washington, DC).
- 0% APY. As with most checking accounts, TD Convenience Checking does not pay interest.
- Monthly maintenance fee waiver. 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.
- 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 Bank Convenience checking Pros & Cons
- Generous signup bonus.
- Free debit card
- No signup bonus.
- Does not earn interest
- Does not provide access to a nationwide ATM network.
- Only available in 15 states.
- Higher than average wire transfer fees.
- Monthly service charge.
- Charges a higher than average fee on out-of-network ATM transactions.
TD Bank Convenience checking FAQ
Are checking accounts from TD Bank federally insured?
Yes, this account is 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 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.
TD Convenience Checking Minimums
|Minimum Opening Deposit
||Starting at $0
|Minimum Balance to Avoid Monthly Fee
||Starting at $100
What fees does TD Bank Convenience checking charge?
This account charges a monthly service fee of up to $15.
TD Convenience Checking Fees
|ATM Fee: In-Network
|Check Image Service
|Debit Card Replacement Fee
|Early Account Closure
|Foreign Transaction Fee (Debit Card)
||$0 - $15
|Online Bill Pay Fee
|Overdraft Item Fee
|Overdraft Protection Fee (per transfer)
|Paper Statement Fee
|Returned Deposit Fee (Domestic)
|Returned Deposit Fee (International)
|Stop Payment Fee
|Wire Transfer Fee - Domestic (Incoming)
|Wire Transfer Fee - Domestic (Outgoing)
|Wire Transfer Fee - International (Incoming)
|Wire Transfer Fee - International (Outgoing)
|ATM Fee: Out-of-Network
||Starting at $3
Does TD Bank Convenience checking charge overdraft fees?
Yes, TD Bank Convenience checking charges a $35 fee for every overdraft.
TD Bank Convenience checking offers overdraft protection at a cost of $3 per transaction.
What features and perks does TD Bank Convenience checking offer?
This account includes the following features:
- 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 checks 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 email@example.com.
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