A basic checking account with a $150 signup bonus but watch out for monthly fees.
The TD Convenience Checking account may be particularly attractive to students and new account holders — there’s no monthly fee for those aged 17 to 23 or if you can hold a daily balance of $100 or more. It’s especially advantageous for those who travel in North America because you can access TD Bank ATMs throughout the Eastern US and Canada. Plus, there are no foreign transaction fees.
But unlike other student checking accounts, you won’t earn interest on your balance and TD Bank won’t reimburse you for your out-of-network ATM fees.
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★★★★★
The TD Convenience Checking account offers digital wallet compatibility, free Zelle transfers, TD rate discounts and no fees for students and young adults age 17 to 23. But the $15 monthly maintenance fee could chip at your funds.
| Annual Percentage Yield (APY) | N/A |
| Fee | $15 per month |
| To waive the fee | Maintain a minimum daily balance of $100 · OR the primary account holder is age 17 through 23 |
| Minimum deposit to open | $0 |
| Intro or bonus offer | Earn $200 when you have $500 in qualifying direct deposits within 60 days. |
| ATMs | 1,900 ATMs across the country and Canada |
| ATM transaction fee | $0 |
| Out-of-network ATM fee | $3 |
| Foreign transaction fee | 0% |
| Overdraft fee | $35 |
| Nonsufficient funds fee | $35 |
Finally, you’ll be asked to fund your TD Convenience Checking account with a minimum deposit of $0. Make a deposit from an externally linked account, or you can mail a check to:
TD Bank N.A.
PO Box Number 1190
Lewiston, Maine 04243
Your TD Visa Debit card will arrive by mail within seven to 10 business days.
Maintain your eligibility for this account by meeting the following criteria:
Before you begin your application, gather the following:
Enjoy mobile banking, mobile check deposit and free Zelle transfers along with the following:
The TD Convenience Checking account isn’t without its shortcomings:
You must live in one of the following states to open an account:
The TD Convenience Checking account comes with a TD Bank Visa Debit card. This debit card can be used to make deposits and withdraw funds at ATMs.
TD Bank is affiliated with the NYCE ATM network, with over 300,000 ATMs located across North America. Banking with TD ATMs is free, but non-TD ATM transactions are subject to a $3 fee.
Use the table to consider a few other student checking accounts that might be more up your alley. Sort by interest rates, opening deposit and ATM details.
Explore your checking account options with other providers for features that best meet your needs.
There’s no shortage of options for accessing your funds with TD Bank:
TD Bank has an abundance of checking options:
What is TD Bank’s routing number?
If you’re unsure, your TD routing number can be found on the bottom left corner of your account checks.
Does the TD Convenience Checking account come with checks?
This account offers check-writing privileges, but doesn’t come with checks. Order a box of checks from your online account or by calling TD Bank at 800-355-8123. Check prices vary, but the TD Convenience Checking account offers a discount on your first order of select check styles.
How do I add my TD Bank Visa Debit card to my digital wallet?
TD Bank Visa Debit cards are compatible with Apple Pay, Samsung Pay, Google Pay, Visa Checkout and Microsoft Wallet.
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★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
TD Convenience Checking is not currently available on Finder
Have you considered Discover® Cashback Debit?
The Discover® Cashback Debit account earns 1% cash back on up to $3,000 in debit card purchases each month.
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