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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
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0 - $15
Minimum Balance to Avoid Monthly Fee Starting at $100

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.
  • 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

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
Description
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
Description
ATM Fee: In-Network $0
Check Copy $5
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $15
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $3
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
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 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

Find an account that meets your needs and your budget with the perks you want. Plus, you can open a checking account online in minutes. TD Convenience Checking, An account perfect for everyday banking with a low minimum daily balance requirement, plus additional benefits for young adults. All of our accounts also include convenient and hassle-free services such as online and mobile banking with Bill Pay, free Visa® debit card and Live Customer Service 24/7.

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $2
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $15
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $3
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network Starting at $3
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Soft Credit Pull
  • Debit Card
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Member FDIC
  • Student Checking Account
Signup Bonus Starting at $150
Signup Deposit Requirement $500
APY (Annual Percentage Yield) 0%

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