Our pick for a TD product: TD Beyond Checking
Deposit to Open
- Debit card, on the spot
- Overdraft payback up to two times a year
- No ATM fees with a $2,500 minimum daily balance
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Compared to other national banks, it has the 8th most physical locations. If you live in a state on the East Coast, you’ll have access to over 1,300 branch locations and 1,900 ATMs from Maine to Florida.
The BBB gave it an A+ rating, and it’s been officially accredited there since 2002. An average of 25 customer reviews average out to just one star, but that’s pretty normal for complaints about similarly sized banks. There are about 9,700 complaints on the CFPB website, but nearly all of them indicate a timely response.
It’s a member of the FDIC, and the FFIEC has reviewed most branch locations as “outstanding” or “satisfactory.” In 2018, it was rated the Best Bank for Seniors by Money Magazine, and it tied for #1 in Global Finance World’s list of 50 Safest Commercial Banks.
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