TD Bank Convenience Checking Account

Meeting your daily banking needs for a fee that’s so easy to avoid.

securely on the bank's website

Said to be TD Bank's most popular checking account, TD Convenience CheckingSM comes with a very low minimum daily balance requirement for a monthly fee waiver, digital banking tools, as well as discounts on loans and first check order. ATM access is free at TD Bank's ATM across the United States and Canada, which is quite convenient if you're often traveling within the two countries.

With 24/7 live customer service, and very convenient online banking features, TD Convenience CheckingSM can be a solid option if you're looking for a checking account that offers the basics.

TD Convenience CheckingSM  might also be a great option for students as TD Bank offers a range of perks designed specially for college students aged 17-23.

Checking account details

Checking account fees

  • Monthly Fee
    $15 (can be waived)
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

TD Bank Convenience Checking Account FAQ

1. How can I open TD Convenience Checking Account?

There are 3 ways you can open a TD Convenience Checking account.

The easiest one would be to do it online, but you can also open it in person, by visiting a local TD Bank branch nearby or by phone at 1-888-751-9000 (available 24/7).

You'll be asked to provide:

  • Your personal information (Social Security Number, date of birth, and a government-issued ID),
  • Your contact information (home address, phone number, email),
  • Account or debit card number for the initial deposit.
2. What are the students benefits offered with TD Convenience Checking?

If you're a student aged 17 through 23, you'll enjoy a few additional benefits as an TD Convenience CheckingSM accountholder. Not only will you have the $15 monthly maintenance fee automatically waived, without having to meet albeit low minimum daily balance requirements, but you'll also enjoy one TD Simple Savings monthly maintenance fee waiver if you decide to open a linked TD Simple Savings account until you're 24 (you need to request it, though). Plus, there won't be any fees for you on Savings Overdraft Protection transfers.

Plus, there are many TD digital banking tools, and resources for students and their parents that help students learn how to manage their finances better, but also save for college, spend responsibly with a TD Go Reloadable Prepaid Visa® Card, and bank on the go, at their convenience.

3. Does TD Bank offer online banking?

Yes, TD Bank provides its customers with a range of digital banking tools that make banking much easier and more convenient.

TD Convenience Checking accountholders can use TD Online Banking to pay bills, set up alerts, view their account and card activity, make account-to-account transfers, send money to friends and family, and more. 

4. How do I enroll in TD Bank Online Banking?

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.

5. How do I avoid paper statement fees?

While TD Bank charges a quite low fee for paper statements - $1 compared with the usual $3 - you can avoid the fee, not because of the fee itself, but also because it's more ecologically friendly to switch to online statements.

You should enroll in TD Bank Online Banking, and choose to receive electronic monthly statements from there.

6. How does TD Mobile Banking App work?

The TD Mobile Banking App works on your Apple® and AndroidTM smartphones and tablet devices, allowing you to access and manage your account at your convenience, wherever you are, 24/7.

To use the TD Mobile Banking App, you need to be enrolled in TD Bank Online Banking - but you can simply install the app, and sign up for online banking from there.

Once you've installed the app, you'll be able to log in with Touch ID and single-use security code. You can securely check your balance, make transfers, pay bills, deposit checks, go paperless, and more.

7. How do I deposit checks with TD Bank Mobile App?

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: 

  1. Select your account for deposit.
  2. Enter the amount of the check.
  3. Take a photo of the check using your device.
  4. 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 cleared. However, do keep it for a few weeks to ensure it's been done. Then, you can destroy it.

8. How does TD Wallet work?

With TD Bank Digital Wallet, you can pay for your purchases using your mobile device wherever digital wallets are accepted - and, it's almost everywhere.

Available with Apple Pay, Samsung Pay, and Google Pay, you can get the app for your corresponding device, add your TD Bank Visa card(s), and then pay with a simple tap of your mobile device.

Knowing there's Visa Zero Liability to protect you against unauthorized charges, and that your card number isn't stored or shared anywhere, you can rest assured your purchases are safe, and your card information protected, no matter whether you're making online, in-store or in-app purchases.

Plus, Apple, Samsung and Google's apps are quite cool, and easy to use - some of them even offering more special perks and rewards as an incentive to use digital wallets!

9. How do I find my TD Bank routing number?

Your TD Bank routing number depends on where you opened your account. You can find your routing number at the bottom of your checks.

Here are TD Bank's routing numbers per state:

  • Connecticut: 011103093
  • Florida: 067014822
  • Maine: 211274450
  • Massachusetts/Rhode Island: 211370545
  • Metro DC/Maryland/Virginia: 054001725
  • New Hampshire: 011400071
  • New Jersey/Delaware: 031201360
  • New York – Metro NYC of former Commerce customers: 026013673
  • New York – Upstate NY of former Banknorth customers: 021302567
  • North Carolina/South Carolina: 053902197
  • Pennsylvania: 036001808
  • Vermont: 011600033
10. When will I receive a replacement card for my expiring TD Bank Debit/ATM card?

TD Bank will issue you a new TD Bank Visa® Debit or ATM Card automatically about 3 to 4 weeks before the expiration date.

Check Out Other Products From TD Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
TD Bank Beyond Checking Account $25.00 (can be waived) $0 0.01% - 0.03%
TD Bank Convenience Checking Account $15 (can be waived) $0 0.00%
TD Bank Simple Checking Account $5.99 $0 0.00%
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