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To enroll in Online Banking, visit the Online Banking login page and select the 'Sign up for Online Banking' link. You can also download and open the TD mobile banking app, select the 'Accounts' button, and then select 'Sign up' from the log-in screen.
You will need:
- Your Social Security Number
- Your TD Bank ATM or Visa® Debit Card
- Your e-mail address
- Your TD Bank account number (any personal account)
Note:
If you are already enrolled in Online Banking, no additional sign up is required for mobile banking. Once you download the app, log in using your Online Banking user name and password.
if you don't have an SSN, you'll still be able to begin your Enrollment, and then we'll contact you to finalize things.
If you do not have a debit or ATM card, or do not wish to use online or mobile enrollment, you can visit your local TD Bank or call Customer Service to enroll at 1-888-751-9000.
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NerdWallet's checking rating: 3.5
TD Bank checking accounts give customers access to a large East Coast-based network of branches and ATMs. There’s either a minimum daily balance requirement or monthly fee for checking with TD Bank’s three general options. Accounts are available in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and Washington, D.C.
TD Bank checking accounts and fees
Minimum opening deposit | $0. | $0. | $0. |
Monthly fee | $5.99. | $15; waived if you maintain a minimum daily balance of $100 or if the primary account holder is between the ages of 17 and 23. | $25; waived if you maintain a minimum daily balance of $2,500, have $5,000 in monthly direct deposits or $25,000 in combined TD accounts. |
Interest on balances | No. | No. | 0.01% APY. |
Non-TD ATM fees (Charged for each withdrawal, transfer or balance inquiry at non-TD ATMs) | $3, not including any additional fee from non-TD ATM owners. | $3, not including any additional fee from non-TD ATM owners. | $0; non-TD ATM fees reimbursed with minimum daily balance of $2,500. |
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Sign-up bonus | No. | $200; see how to qualify. | $300; see how to qualify. |
How TD Bank compares with online banks
Large institutions like TD Bank generally have a wide network of branches and ATMs. However, their checking accounts tend to have lower interest rates and higher monthly fees compared with online banks. The top online banks can’t match big banks in the number of branches, but they do usually offer access to large independent ATM networks.
TD Bank offers straightforward checking options, but you can find cheaper checking accounts elsewhere. Given its extensive branch network and hours, however, TD Bank might be a convenient place for your money if you’re on the East Coast.