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Compare TD Bank vs. Chase

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

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 0.02%.
  • 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 15,000 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 0.02% and grows from there, while Chase‘s savings account starts at 0.01%.

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Winner: TD Bank

1 - 3 of 3
$
Name Product Account type Annual Percentage Yield (APY) FDIC or NCUA insured amount Minimum balance to earn interest Minimum deposit to open Offer Estimated total balance
TD Bank Simple Savings
Finder Rating: 3.4 / 5: ★★★★★
TD Bank Simple Savings

0.02%

$0
$0
$1,000.20
Chase Savings
Finder Rating: 3.3 / 5: ★★★★★
Bonus
Chase Savings

0.01%

$0.01
$0
Earn a $150 bonus when you open a new Chase Savings account, deposit at least $10,000 in the first 20 days and maintain a balance of $10,000 for 90 days
$1,000.10
Chase Premier Savings
Finder Rating: 2.7 / 5: ★★★★★
Bonus
Chase Premier Savings
Savings

0.01%

0.02%

$0
$25
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.
$1,000.10
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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

1 - 4 of 4
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Chase Total Checking®
Finder Rating: 3 / 5: ★★★★★
Bonus
Chase Total Checking®
$12 per month
(can be waived)
$0
N/A
New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
Chase Total Checking® is easy to use and gives you access to more than 15,000 Chase ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers. Member FDIC.
TD Convenience Checking
Finder Rating: 2.7 / 5: ★★★★★
Bonus
TD Convenience Checking
$15 per month
(can be waived)
$0
N/A
Earn $200 when you have $500 in qualifying direct deposits within 60 days.
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.
TD Beyond Checking
Finder Rating: 2.4 / 5: ★★★★★
Bonus
TD Beyond Checking
$25 per month
(can be waived)
$0
0.01% on balances of $0.01+
Open a TD Beyond Checking account and add $2,500 in direct deposits or more within 60 days.
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
Finder Rating: 2.5 / 5: ★★★★★
Chase Premier Plus Checking
$25 per month
(can be waived)
$0
0.01%
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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

1 - 2 of 2
Name Product 6-month APY 1-year APY 5-year APY Minimum deposit to open
Chase CD Relationship
Finder Rating: 1.6 / 5: ★★★★★
Chase CD Relationship
4.00%
3.00%
2.00%
$1,000
Chase CD
Finder Rating: 1.6 / 5: ★★★★★
Chase CD
0.01%
0.01%
0.01%
$1,000
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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 CanadaMore than 47,000 in 30 states plus branches in 60 countries
ATMs1,300+15,000+
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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