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Compare TD Bank vs. Chase

Both banks offer strong banking products and 24/7 support.

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TD Bank vs Chase
Chase and TD Bank both offer a suite of accounts but they have key differences, including customer service support, interest rates and product options. Compare these two banks to determine which is the best fit for your banking needs.

Pros and cons of TD Bank vs. Chase

TD Bank

Pros
  • Higher interest rates. TD Bank offers higher APYs on its savings accounts, with the basic savings account starting at 0.05%.
  • Minimal fees. You can avoid the monthly maintenance fee in one of three ways and its out-of-network ATM fee if you have over $2,500 in your account.
  • Customer service. TD Bank is open seven days a week and has 24/7 phone support.
Cons
  • Limited availability. TD Bank only has branches in 15 East Coast states and its 1,300 ATMs pale in comparison to Chase‘s 16,000.
  • Fewer options. TD Bank offers standard banking and financial products, but it offers fewer options than Chase.

Chase

Pros
  • More branches and ATMs. Chase‘s presence in 30 states and its network of over 16,000 ATMs makes it the more accessible option.
  • Signup bonuses. Chase offers a variety of signup bonuses throughout the year for each account usually at a higher amount than TD Bank‘s bonus offers.
  • More banking products. Chase offers a wider variety of checking and savings accounts, in addition to offering more banking and financial products.
Cons
  • Lower APY. Chase‘s base APY is .01% on its savings accounts, though it does offer higher APY options on its CDs.
  • ATM fees. If you can’t find one of its ATMs, you’ll have to pay a $2.50 out-of-network fee to Chase, in addition to the ATM’s fee.

TD Bank vs. Chase savings accounts

TD Bank offers tiered savings accounts that earn more interest the more money you have in the account. It’s preferred savings starts at 0.05% and grows from there, while Chase‘s savings account starts at 0.01%.

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Winner: TD Bank

$
$
months
Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned More info
TD Bank Simple Savings
0.05%
$5 per month
(can be waived)
$0
Read review
View details
An everyday savings account with no minimum opening deposit required.
Chase Savings
0.01%
$5 per month
(can be waived)
$0
Go to site
View details
A simple savings account with low, waivable monthly fees and a $150 signup bonus when you meet deposit and balance requirements.
Chase Premier Savings

0.01% on $0+ or higher with qualifying checking activity
$25 per month
(can be waived)
$25
Read review
View details
Earn $150 when you open this account and deposit $10,000 of new money within 20 business days and maintain that balance for 90 days.
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TD Bank vs. Chase checking accounts

Both TD Bank and Chase offer student checking accounts and interest-bearing accounts and easy ways to waive the monthly fees. Chase‘s larger presence and large network of ATMs gives it the edge.

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Winner: Chase

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Chase Total Checking
$0
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$2.50
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
TD Convenience Checking℠
$0
1,900 ATMs across the country and Canada
$3
Offering 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.
Chase Sapphire Checking
$0
Free to use anywhere worldwide
$0
Get a $1000 welcome bonus when you join Sapphire Banking by October 14, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
TD Beyond Checking
$0
1,900 ATMs across the country and Canada
$0
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
Chase Premier Plus Checking
$0
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$2.50
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
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TD Bank vs. Chase CDs

Both banks offer many CD term options. Although TD Bank offers three different CD products, Chase offers higher APYs on its CDs.

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Winner: Chase

Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
Chase CD Relationship
0.1% on CDs of $10,000+

0.02% on CDs of $1,000 to $9,000
0.1% on CDs of $10,000+

0.02% on CDs of $1,000 to $9,999
Chase CD
0.01%
0.01%
0.01%
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TD Bank vs. Chase other products

Both banks offer a wide variety of financial products, but Chase‘s larger presence means it offers more.

    TD Bank

  • Personal, car, student loans
  • Home loans and refinancing
  • Credit and reloadable cards
  • IRAs & 401(k)s
  • Commercial banking
  • Brokerage accounts
  • Student banking
  • Portfolio management
  • 529 plans and college savings
  • Foreign exchange
  • Financial advising

    Chase

  • Personal, car, student loans
  • Home loans and refinancing
  • Credit and reloadable cards
  • IRAs & 401(k)s
  • Commercial banking
  • Brokerage accounts
  • Student banking
  • Military banking
  • You Invest
  • Lines of credit
  • Annuities
  • Mutual funds
  • Chase Private Client
  • Financial advising
  • Tax services
  • Car buying services
  • Merchant services

TD Bank vs. Chase branches and ATMs

Both TD Bank and Chase offer thousands of ATM locations and customer service phone support seven days a week.

TD BankChase
Branches1,300 in 15 states plus 1,150 in CanadaNearly 4,900 in 30 states plus branches in 60 countries
ATMs1,300+16,000+
Customer service
  • Phone 24/7
  • Social media
  • Live chat via Facebook
  • Phone 24/7
  • Social media
  • Live chat

TD Bank vs. Chase special features

Both banks offer several features that help them stand out from the competition:

TD Bank
  • Extended banking hours
  • No foreign transaction fees
  • Banks and ATMs are fully accessible
Chase
  • Strong online and mobile banking, including account balances and history via text
  • Military banking
  • Premier banking and private client options for preferred accounts

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Winner:TD Bank

Bottom line

Chase is the largest bank in the country and has a wider presence, but TD Bank has higher interest rates on its savings products. Both banks offer many financial products under one roof and have solid customer service.

Before deciding between these banks, you might want to compare other banks that have higher yield accounts and a larger presence in your region.

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