TD Bank Simple Checking Account

Because banking shouldn’t be complicated.

securely on the bank's website

TD Bank Simple Checking Account is a traditional checking account, equipped with everything you need for your daily banking.

With multiple ways to access your funds, online and mobile banking tools, you'll be able to manage your account on the go, at your convenience.

You can use the TD Mobile Banking App to set up alerts, check activity, make payments, view statements, and more.

Thanks to TD Bank and Visa account/card protection features, you can bank safely and securely, knowing you're protected against unauthorized charges. However, TD Bank's Customer Service is available 24/7 to help you with whatever you might need, although there are many resources you can find on the bank's website already.

Since this is a checking account without any balance requirements, it is fairly a good deal. However, if you can keep at least $100 in your account, then you might want to open a TD Convenience Checking, and pay no monthly fees at all.

Checking account details

Checking account fees

  • Monthly Fee
  • 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 Simple Checking Account FAQ

1. What is TD Simple Checking?

TD Bank's TD Simple Checking is a regular checking account for everyday banking, with a low $5.99 monthly fee, no minimum balance or minimum deposit to open required. The TD Simple Checking account offers benefits and tools that meet almost everyone's banking needs. These, among others, include online and mobile banking, Visa debit card, free access to TD Bank's ATMs, and 24/7 customer service.

2. How can I open a TD Simple Checking account?

There are 3 ways you can open a TD Simple 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).

3. What do I need to open a TD Simple Checking account?

To open a TD Simple Checking account, you will need 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.

In case you want to add additional accountholder(s), you'll need to provide their information, as well.

4. What is the difference between TD Convenience Checking and TD Simple Checking?

While quite similar checking account offers, these two checking accounts do differ.

TD Convenience Checking comes with a higher monthly fee of $15, which can be waived if you meet certain requirements, unlike the $5.99 monthly fee on TD Simple Checking, which cannot be waived under any conditions.

Additionally, TD Convenience Checking is more suitably for students, because it includes special perks to help students improve their financial knowledge, build good financial habits, and experience flexible banking at a young age. Besides, TD Convenience Checking is free for students aged between 17 and 23, regardless of their balance. It also offers them the possibility to open a savings account at no additional cost, while overdraft protection transfer fees are also waived.

5. 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. 

6. How much are TD Bank checks?

You can purchase official TD Bank checks (cashier's checks) for an $8 fee.

As a TD Simple Checking accountholder, you'll benefit from a discount on your first check order, so check with a TD Bank representative for more information.

Money orders are $5.

7. 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.

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.

Note that, in order to use the TD Mobile Banking App, you need to be enrolled in TD Bank Online Banking. You can do it straight from the app, or  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.

8. Can I deposit checks with TD Bank Mobile App?

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: 

  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 deposited. However, do keep it for a few weeks to ensure it's been cleared. Then, you can destroy it.

9. What do I do if I lost my TD debit card?

If you lost your TD Visa debit card, you need to report it immediately to TD Bank. Several options are possible:

  1. Call TD Bank Customer Service at 888-751-9000 (for all Relay Operator-Assisted calls, dial 1-888-751-9000). If calling from abroad, contact TD by dialing direct 856-751-9000 or calling collect with operator assistance at 215-569-0518.
  2. Visit your local local TD Bank branch.
  3. Log in to your online banking account, and message them from there.


10. 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
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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