TD Bank Reviews

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About TD Bank

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TD Bank is a subsidiary of TD Bank Group, a Canadian multinational banking and financial services corporation. Founded in 1852, TD Bank operates more than 1,100 branches and 2,600 ATMs throughout the U.S. Its products include checking and savings accounts, credit cards, personal loans and mortgages. TD Bank is most known for its bonuses and promotions, which typically reward new customers with cash perks when they complete qualifying activities.

Pros
  • Competitive interest rates on some accounts
  • Known for bank bonuses and promotions
  • Relationship banking perks
  • Full suite of account options
Cons
  • Branches limited to Northeast
  • Monthly maintenance fees on some accounts
  • Small ATM network
  • Low APYs on some accounts

Helpful Reviews

Vineland, NJ
Verified purchase
My TD Bank credit card was hacked. Someone fraudulently charged hotel rooms in Doha, Qatar to my card. TD Bank didn't catch the fraudulent charges. I did and reported the theft im...

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Collingswood, NJ
Verified purchase
I went to Haddonfield NJ branch, the people are the worst, so I went to Oaklyn NJ branch I sat with Laura, the manager and she was wonderful, she straightened out the mess that ha...

Read more

What is TD Bank?

TD Bank is a full-service bank with locations primarily on the East Coast and Canada. Its lineup of financial products includes checking and savings accounts, credit cards, mortgages, home equity loans, personal loans and small business banking.

One of TD Bank's unique features is its extended branch hours, with many locations open seven days a week. This is unusual, considering most banks are only open on weekdays, with limited availability on Saturdays.

Additionally, TD Bank is committed to environmental sustainability and has taken steps to reduce its carbon footprint through initiatives such as LEED-certified buildings and renewable energy use.

How does TD Bank work?

You can apply for a TD Bank account online, in person or over the phone. When opening an account, you’ll need to provide personal information, such as your:

  • Social Security number
  • U.S. residential address
  • Date of birth
  • Government-issued photo ID

As a customer, you can access your accounts online or through the TD Bank mobile app, which includes features such as mobile check deposit, bill pay and money transfers.

You’ll find many bank bonuses and promotions at TD Bank, including cash bonuses for opening new checking or savings accounts, as well as introductory annual percentage rates (APRs) for credit cards. These promotions are subject to different terms and conditions but generally involve completing qualifying activities by a certain date.

TD Bank products and services

TD Bank is a full-service institution with a robust lineup of products.

TD Bank checking accounts
You’ll find six different types of checking accounts at TD Bank:

TD Convenience Checking

TD Convenience Checking is a basic checking account with low minimum balance requirements, free online banking and a waived monthly maintenance fee for eligible account holders.

At the time of publishing, new customers can earn a $200 bank bonus when they make at least $500 in direct deposits within 60 days of account opening.

TD Beyond Checking

TD Beyond Checking boasts many benefits, including earned interest, no ATM fees with a $2,500 minimum daily balance and two overdraft fees automatically reversed per year. You can waive the $25 monthly fee with direct deposits or by maintaining a minimum daily balance.

At the time of publishing, new customers can earn a $300 bank bonus when they make at least $2,500 in direct deposits within 60 days of account opening.

TD Simple Checking

TD Simple Checking is a no-frills, everyday checking account with a nonwaivable $5.99 monthly maintenance fee.

TD Essential Banking

TD Essential Banking is an account with the lowest monthly maintenance fee of $4.95 and no overdraft fees.

TD 60 Plus Checking

TD 60 Plus Checking is designed for customers 60 and older. It earns interest and has no monthly fee when you maintain a $250 minimum daily balance.

Student Checking

The student checking account is for young adults between the ages of 17 to 23. It’s exactly like the TD Convenience Checking account but with no monthly fee.

TD Bank savings accounts & CDs
TD Bank offers two main types of savings accounts: TD Signature Savings and TD Simple Savings. It also offers certificates of deposit (CDs).

TD Signature Savings

TD Signature Savings earns up to 3% annual percentage yield (APY) when you keep at least $250,000 in your account. It has tiered interest rates and no TD ATM fees. Additionally, it offers free services, like incoming wire transfers, official bank checks, money orders and stop payments.

TD Simple Savings

TD Simple Savings is a low-cost account that offers free automatic transfers and optional overdraft protection for TD checking accounts, as well as no maintenance fees for those who maintain a $300 minimum daily balance. This account is free for individuals up to age 18 or 62 or older.

TD Bank CDs

TD Bank offers regular CDs as well as TD Choice Promotional CDs with bump-rate APYs, providing investors with different options to grow their savings with competitive rates.

TD Bank credit cards
TD Bank offers a variety of credit cards to suit different needs. The TD Double Up credit card and the TD Business Solutions credit card allow users to earn rewards on everyday purchases.

The TD Cash credit card offers cash-back rewards and a sign-up bonus, while the TD First Class Visa Signature credit card provides travel rewards and benefits. For those looking to build or repair their credit, TD Bank also provides a TD Cash secured credit card.

TD Bank loans
TD Bank offers a variety of loan options, including personal loans, mortgages and home equity loans.

Personal loans can be used for debt consolidation, home improvements and other personal expenses. Mortgages are available for purchasing or refinancing a home, while home equity loans are available for financing home renovations, college tuition or other major expenses.

TD Bank fees

Most TD Bank checking and savings accounts have monthly fees that can be waived when you meet certain account requirements. Depending on which account you have, you may also get waivers or reimbursements for some of these common fees:

  • $35 for overdrafts, charged up to three times per day; a grace period is available for some accounts
  • $3 for non-TD Bank ATM withdrawals, transfers and balance inquiries
  • $15 for incoming domestic and international wires
  • $30 for outgoing domestic wires
  • $50 for outgoing international wires
  • $30 for check and ACH transfer stop payments

TD Bank FAQ

Is TD Bank a good bank?

TD Bank is a reputable bank that offers a variety of products and services to its customers. Perks and fees vary by account, so it’s essential to evaluate each option to see what best suits your needs.

What does TD Bank stand for?

TD Bank stands for Toronto-Dominion Bank, a multinational banking and financial services corporation based in Toronto, Canada.

How much money do you need to open a bank account with TD Bank?

Most TD Bank checking and savings accounts have no opening deposit requirements. However, you may need to maintain a minimum balance to avoid monthly fees.

Does TD Bank use Zelle?

Yes, TD Bank uses Zelle, a popular digital payment platform that allows customers to send and receive money with ease.

Where is TD Bank available?

TD Bank has branches across the East Coast, including 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. It also offers online banking services for customers who don't live near a physical branch.

Still have questions?

Is TD Bank legit?

Yes, TD Bank is a legitimate bank with a long-standing history and reputation. It’s the 10th largest bank in the U.S. by asset size at the time of publication, according to the Federal Reserve.

TD Bank is FDIC-insured, which means that customer deposits are protected up to $250,000. In addition, the bank offers various security measures to protect its customers, including encryption technology and two-factor authentication.

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TD Bank Reviews

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    Page 1 Reviews 0 - 10

    Reviewed May 29, 2026

    Absolutely appalling lack of security, compliance, and customer service from the TD Bank branch on Limestone Rd in Wilmington, DE. In December 2025, a business check I wrote for $2,072.31 was deposited at this TD Bank branch. The check was clearly made out to a specific business name. TD Bank accepted the check and deposited it into a completely fictitious account under a completely different name. They failed the most basic security check: making sure the name on the check matches the name on the account. When the fraud was discovered days later, I contacted TD immediately. They told me to have my bank submit a claim. My bank did. TD rejected it. I called again, and TD told me to have my bank resubmit it. My bank has now resubmitted the fraud claim FOUR TIMES, and TD Bank continues to reject it and pass the buck, essentially protecting a fraudulent account holder over a legitimate fraud victim.

    I have been forced to escalate this to the Delaware Banking Commissioner, the OCC, the Dept of the Treasury, and the CFPB. TD Bank aided a scammer by accepting a mismatched check and is now refusing to cooperate with standard banking reclamation procedures. If you value security and institutional accountability, do not do business here.

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    Customer Service

    Reviewed May 22, 2026

    I opened an account with TD Bank on May 5, 2026. I still have yet to receive a debit card as of May 22nd. Digital card kept getting declined, had to call and have them send me a code to get it to work. They withdrew $225 dollars from my checking from an apparent "negative balance" I had from 10 years ago, allegedly. Takes 180 days to get your sign up bonus. STAY AWAY FROM THIS BANK. Literally every other bank is a better option.

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      Customer ServiceSales & MarketingStaffBillingLoan Process

      Reviewed May 1, 2026

      I deposited a loan payment in the overnight box. I noticed my check was not cashed after a week. I called. They said they left me a voicemail - I'm sure they did. I am overwhelmed with Spam. Their policy changed. They cannot accept personal payments in the overnight box. It is only for business transactions. I was told I have to come into the bank (or mail it) with ID pick up my check HAND IT BACK TO THEM for processing. Ridiculous. Maybe there has been a rush of people fraudulently paying other people's loans that it is a problem. Almost laughable but understand why they are shutting branches.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed April 27, 2026

      We've held an account since the bank's opening on Sample Road & Federal Highway in Lighthouse Point, Fl. Their service has been OK but the last 2 weeks were an abortion. The poor guy who was working the drive-up window & and the front counter was unsupported by anyone else in the bank. He was running back & forth to service customers. So the issue isn't an employee effort issue, it's a management staffing issue. Today after waiting 20 minutes in the drive up window I went inside to see what the hell was going on. One Manager, the attractive ** woman was with a customer; the other manager was on the phone supposedly speaking with a teller at the counter.. Why she didn't get off her ass & speak with the teller directly who knows.

      While waiting to speak with a manager an older ** teller was staring me down until I asked "What are you looking at?" She gave me a smart ass answer "Can't I look at you?" She kept staring at me until I told her to do her job & not to be concerned with me unless she was going to do something about the shitty service. She looked away & returned to the customer who had to wait during her interaction with me. I may just close our account & move our business to one of the many other banks in the area. I don't mind driving a couple of blocks away to your competition. Instead I am giving you the opportunity to explain what will be done to correct the management/staffing issue as well as the attitude from the older teller & her interjecting herself in a situation that was unnecessary & probably the main reason I'm bringing this to your attention.

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      StaffEase of UseHonesty & Transparency

      Reviewed April 22, 2026

      Good Day to you all. I was the FIVE PENN PLAZA, NEW YORK, NY, Manhattan branch. Regarding my debit card issue. The staff, Evertt and Kevin, were very super helpful and doing their job as their own. Being honest with you all that I do believe in God so much that I can sense, intuitive by seeing how people act by God grace. My point is, Miss Everett and Mr. Kevin. Thank you so much for your kindness and helping customers. We all need people in every societies. TD, you are having great experiences employees that you are being greatly. But somehow everybody works are totally different. In Jefferson High, and Roosevelt Ave has real nasty two employees. Real bad. I am not sorry for revealing the truth. Just let you all know. Two male employees bank teller. I don't want to say their names. Lightweight. Prescription glasses. Thank you.

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      Customer Service

      Reviewed April 20, 2026

      TD BANK SUCKS!!!! Never use them. You can barely access your money and you'll waste your time on the phone for hours for them to tell you that you need to go into a location. I hate TD with my whole heart. SMD.

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      Customer ServicePunctuality & Speed

      Reviewed April 16, 2026

      I had a very bad experience with TD Bank. I called multiple times and had to wait more than 30 minutes each time, but no one ever picked up. I also ordered a new card because I lost mine. I was told it would arrive in one week or less, but it actually took 15 days, which is very disappointing. Overall, the service is extremely poor and unreliable. I would not recommend this bank.

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      Customer ServiceBilling

      Reviewed April 14, 2026

      I was drugged and robbed in Bogota Colombia. My phone and wallet were stolen. I had Chase debit card and credit card and 1 TD Bank debit card, with Chase bank the problem was solved but unfortunately TD bank said I authorize it showing me no respect. I had a police report. The girl who robbed me her name is written on the police report. She used remotely to send money to herself. TD bank doesn't do any effort to check the transaction's timing and names. I feel I should not have put my money with TD bank..

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      Staff

      Reviewed April 9, 2026

      I would like to thank Ms. ** for helping me yesterday about my disputes, she was very nice and listened to me patiently, helping me out. I hope she will be in a higher position, because people who are good listener is good for the company.

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      Customer Service

      Reviewed April 4, 2026

      Good afternoon. I walking to TD Bank to withdraw money from my account, and the teller was so confused with my visit. I tell her withdraw and she keeping tell me deposit and ask me a question, also she was welcome other Customer walking in and with me she never say nothing. Very rude of her about what I willing to do. When I get my withdrawal money the security he push me to count the money away from the teller. Also the security not let focus counting my money, that happen in td bank 1701 South Semoran Blvd. Orlando FL.

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      TD Bank Company Information

      Company Name:
      TD Bank
      Year Founded:
      1975
      Address:
      200 S 108th Ave.
      City:
      Omaha
      State/Province:
      NE
      Postal Code:
      68154-2631
      Country:
      United States
      Website:
      www.td.com