How do I open a TD Convenience Checking account?

1. Go to the provider’s site and follow the steps to apply.
2. From TD’s website, choose Open account.
3. Enter your full name, phone number and email address. Select Next.
4. Enter your Social Security number, date of birth and driver’s license, state ID or passport number. Hit Next.
5. Review your submitted information and make any necessary changes. Then, review TD’s account disclosures and online terms and conditions.

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.

What are the benefits of a checking account with TD?

Enjoy mobile banking, mobile check deposit and free Zelle transfers along with the following:

• No minimum opening deposit. Open the TD Convenience Checking account with any amount.
• TD rate discounts. Holding a TD checking account entitles you to a 0.25% rate discount on TD HELOCs and personal loans.
• 24/7 customer service. Customer service is available by phone all day, every day.
• Signup bonus. Enjoy a sizeable $150 bonus when you open an account and receive at least $500 in direct deposits with the first 60 days.

What should I look out for?

The TD Convenience Checking account isn’t without its shortcomings:

• $15 maintenance fee. The monthly fees are waived for students and young adults until you reach age 23. Then, you’ll need to maintain a daily balance of $100 or more, or you’ll be saddled with a $15 monthly maintenance fee.
• $1 paper statements. If you’d like your statements to arrive by mail, expect a $1 paper statement fee.
• Limited coverage. TD Bank stores and ATMs are predominantly available on the East coast.

TD’s ATM network and fees

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.

Compare TD Convenience Checking with other student checking accounts

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.

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Product	Finder Score	Fee	Minimum deposit to open	Annual Percentage Yield (APY)	Bonus Offer
Promoted Finder score 9 Excellent SoFi Checking and Savings	Finder score 9 Excellent	$0 per month	$0	Up to 3.80%	Top Offer Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until January 31, 2026.	Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.2 Excellent NBKC Everything Account	Finder score 9.2 Excellent	$0 per month	$0	1.75% on balances of $0.01+	Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.6 Excellent OnePay Cash	Finder score 9.6 Excellent	$0 per month	$0	3.75% on balances of $5,000 to $250,000 1.00% on balances of $0 to $4,999 1.00% on balances of $250,001+	Top Offer Limited Time. Earn up to $300 cash back with direct deposits. Terms apply. Plus, earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. See terms.	Go to site More info Compare product selection Compare	loading
Finder score 8.6 Great Step Black Card	Finder score 8.6 Great	From $0 per month	$0	4.00% on balances of $0 to $1,000,000	Go to site More info Compare product selection Compare	loading
Finder score 7.2 Great Acorns Checking	Finder score 7.2 Great	From $3 per month	$0	N/A	Go to site More info Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

Read the full Finder Score breakdown

Explore your checking account options with other providers for features that best meet your needs.

How do I deposit or withdraw my money?

There’s no shortage of options for accessing your funds with TD Bank:

• Online deposit. Make an online transfer to or from an externally linked account.
• Mobile check deposit. Using TD Bank’s free mobile app, deposit a check using your mobile device.
• Mail. Mail a check to TD Bank.
• ATM. Deposit funds or withdraw cash at over 300,000 nationwide ATMs.
• Wire transfer. Incoming wire transfers cost $15, while outgoing domestic and international transfers cost $30 and $50, respectively.
• In person. Visit a local TD Bank branch to conduct your banking in person.

What other checking options does TD offer?

TD Bank has an abundance of checking options:

• TD Simple Checking℠. This straightforward checking account has a $5.99 monthly maintenance fee. But it offers mobile banking and a 0.25% rate discount on TD home equity and personal loans.
• Deposit $2,500 within 60 days of account opening to earn $300. Maintain that balance to waive the $25 monthly fees and receive ATM fee reimbursements.
• TD 60 Plus Checking℠. Available to those 60 and older, this interest-bearing checking account comes with free checks, money orders and paper statements alongside a $10 maintenance fee that can be waived with a $250 daily balance.
• TD Business Simple Checking. This account comes with a $10 monthly maintenance fee and offers up to 200 paid or deposited items per statement cycle and up to $5,000 in cash deposits for free.
• TD Business Convenience Checking Plus. After a $100 minimum opening deposit, you get up to $10,000 in cash deposits in store and 500 paid or deposited items for free per statement cycle.
• TD Business Premier Checking. You’ll need at least $200 to open this business checking account, but you’ll receive 500 paid or deposited items and up to $30,000 in cash deposits in store for free.

Frequently asked questions

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.

Frequently asked questions

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.

Finder Scores: What they mean

If you want peace of mind, this rating will give it to you. These products offer the best value and outcomes considering various product features, terms, conditions and price.

Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they're not quite the best in class.

Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.

These products may not offer much value in the long run, and there are better options available.

TD Convenience Checking is not currently available on Finder

Have you considered SoFi Checking and Savings?

Earn up to 3.80% APY on savings by meeting deposit requirements or by paying the SoFi Plus subscription fee every 30 days, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.

• 0.50% APY on checking balance
• Up to 3.80% APY on savings
• $0 account or overdraft fees
• Get up to a $300 bonus with direct deposits of $5,000 or more

Learn more

No thanks, compare other checking account options.