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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

Claimed

in Checking Accounts from TD Bank · Member FDIC

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Highlights
Monthly Fee $0 - $15
ATM Fee: Out-of-Network $3
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
  • $150 Bonus offer. Open a new account and you can get up to $150 if you deposit a minimum of $500 (see terms and conditions for more details).
  • 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 minimum initial deposit. There is no minimum balance required to open an account.
  • 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 Convenience Checking Pros & Cons
Pros Cons
  • Generous signup bonus.
  • Free debit card
  • 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 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 Opening 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
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 $3

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.
  • Bonus offer - Open an account and you may receive a bonus of up to $150 if you deposit a minimum of $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.
  • Fraud monitoring - TD Convenience Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • 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.
  • Soft credit pull - TD Convenience Checking performs a soft credit pull so you can check whether you qualify without hurting your credit.
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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.

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 $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 $3
Bank Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Soft Credit Pull
  • Debit Card
  • Automatic Savings
  • Bauer Financial A+/A Rating
  • FDIC Member
  • Student Checking Account
Signup Bonus Starting at $150
Signup Deposit Requirement $500

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