The TD Bank Beyond Checking Account is an interest-bearing checking account offering many free benefits, including free checks, 2 free overdrafts per year, 1 free outgoing wire transfer each month, ATM rebates, and loan discounts.
What's also nice about the TD Bank Beyond Checking is that it lets you earn more in interest as your balance reaches a certain threshold. However, you might find better rates elsewhere, so do shop around if you want higher yields on your checking account balance.
If you decide to open a savings account or a money market account with TD Bank, you should know the bank will waive the monthly fees on any TD Bank savings or money market account for you. TD Bank's savings account offer pretty decent rates, especially for TD Bank current customers.
This is, overall, a pretty good offer, if you're able to meet the monthly fee waiver requirements. Otherwise, it might cost you more, even though many free products and services are provided. That said, without foreign transaction fees or ATM fees, you'll be able to access your funds everywhere you go, which makes the TD Beyond Checking great for travelers.
Checking account details
- Monthly fee can be waived with at least $5,000 in direct deposits made to the account each month OR if you keep at least $2,500 minimum daily balance OR $25,000 minimum combined balance across eligible TD accounts.
- TD Bank Visa® Debit Card.
- Online and Mobile Banking, with Online Bill Pay and Digital Wallet.
- Rush Bill Payments.
- Send Money with Zelle®.
- Free online and paper statements, including check images.
- Free ATM access (terms apply, see FAQ).
- Free official bank checks, standard check orders or discounted select styles.
- Free money orders, stop payments, and incoming wires.
- 2 Free overdrafts per year.
- 1 Free outgoing wire per statement cycle (domestic or international).
- Overdraft protection with no transfer fees.
- Rate discounts on TD Bank personal or home equity loans.
- Discount on 3" by 5" safe deposit box.
- No monthly fees on one TD Simple CheckingSM account, and any Savings and Money Market accounts.
Checking account fees
Monthly Fee$25.00 (can be waived)
APY0.01% - 0.03%
Minimum Deposit to Open$0
Out-of-Network ATM Transaction Fee$0
Out-of-Network ATM Withdrawal Fee$0
Non-Sufficient Funds Fee$35
Foreign Transaction Fee$0
TD Bank Beyond Checking Account FAQ
TD Bank will waive your $25 monthly fee if you keep a combined balance of $25,000+ each day across all your TD accounts. The eligible TD accounts include all deposit accounts, outstanding loan accounts, and/or mortgages in good standing (excluding credit cards).
So, if you have several TD banks, you can link them to the TD Bank Beyond Checking to qualify for the monthly fee waiver.
If not, you can always set up direct deposits, and have the fee waived if you receive $5,000+ each month. The third option would be to keep a minimum daily balance of $2,500+ in your TD Beyond Checking.
$25,000 minimum daily combined balance of all deposit accounts, all outstanding loan accounts, and/or mortgages in good standing (excludes credit card) that you choose to link.
Since the institution that owns the terminal or network may charge you a fee while making transactions at non-TD ATMs, including balance inquiries, TD bank will reimburse you the surcharge fee if you keep a minimum daily balance of at least $2,500 in your TD Beyond Checking account.
Access to TD Bank's ATM is completely free, regardless of your balance.
Yes, the TD Bank Visa debit card comes with Zero Liability protection, and 24/7 fraud monitoring. However, the protection doesn't apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa.
The card is also equipped with contactless and chip technology.
If you notice any suspicious activity on your card, it's your responsibility to report it.
Also, make sure not to disclose your debit card information to anyone. If you're making online purchases, do it on secured websites, and don't store your card number anywhere.
TD Bank Beyond Checking lets you earn interest on your balance. Tiered rates are rates that increase as your balance increases. Basically, the more money you keep in your TD Beyond Checking, the more interest you earn.
At the moment, TD Bank's scheme goes as follows:
- For balances between $0.01 and $9,999.99, you'll earn 0.01%.
- For balances between $10,000 and $49,999.99, you'll earn 0.02%.
- For balances of $50,000+, you'll earn 0.03%.
TD FastFunds is a TD Bank same-day check clearing and deposit service allowing you to deposit money quickly, for a fee. Deposits received through TD FastFunds will be credited to your account before any other transaction (deposit or withdrawals) made the same day. The first $100 will be immediately available, while the rest of the money should be accessible by the end of the next business day.
You can deposit or cash checks, and you won't be charged a returned-deposit-item fee in case your check is returned.
However, you will be charged a fee for using the TD FastFunds service. The standard fee is 3% of the total TD FastFunds check amount, with a minimum fee of $5.
Yes. Some of the convenient features of TD Bank's Online Banking services include Bill Pay, Send Money with Zelle®, transfers, and personalized e-mail alerts.
You can enroll directly on the TD Bank website. You will need your Social Security Number, your email address, your TD Bank account number, and your TD Bank ATM, Visa® Debit or Visa® Credit Card.
Yes, TD Bank has its own mobile app. The TD Mobile Banking App is available for Android and Apple devices, and offers a convenient way to manage your TD Bank account while on the go, 24/7.
Once you've installed the app, you'll be able to log in with Touch ID and single-use security code. This is done to enhance security, and ensures only the account owner access the account.
The TD Mobile Banking App allows you to track your account activity and balance, pay bills, set up alerts, transfer funds from one account to another, use Send Money with Zelle® to quickly and free of charge send money to friends, and more.
Yes, mobile check deposits with the TD Mobile Banking App are quite simple!
To deposit your check using the TD Mobile Banking App, you need to be enrolled in TD Bank Online Banking, and have a smartphone or tablet device with a camera and the TD Mobile Banking App installed.
It takes 4 steps to complete the deposit:
- Select your account for deposit.
- Enter the amount of the check.
- Take a photo of the check using your device.
- Review and submit your deposit.
Your funds will usually be available the next business day. Remember to write the date of the deposit and a "Deposited" note on the front of your check, so you know it's been deposited. However, do keep it for a few weeks to ensure it's been cleared. Then, you can destroy it.
TD Bank Digital Wallet makes all of your online, in-store or in-app purchases much easier, by allowing you to add your TD cards to your mobile device. The feature is available with Apple Pay, Samsung Pay, and Google Pay.
All you need to do is add your TD Bank Visa® cards to your digital wallet, and use your mobile device to make fast and easy payments. Digital wallets are accepted almost everywhere, so you'll be able to pay by simply tapping your mobile device to pay with your TD Bank Visa Card. Digital wallets are safe to use, and, just like your TD Bank Visa card, protected against unauthorized charges with Visa Zero Liability. Besides, you can pay with confidence knowing your card details aren't stored on your device or shared when you pay.