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finder.com’s rating: 2.3 / 5.0
★★★★★
Previously called TD Premier Checking, this is TD Bank’s top-tiered account. It offers features like overdraft and ATM fee reimbursements, but there’s a $25 fee if you don’t meet the fee-waiver conditions.
$25 per month
Fee
Up to 0.03%
APY
$0
Minimum deposit to open
APY | 0.03% on balances of $50,000+ 0.02% on balances of $10,000 to $49,999.99 0.01% on balances of $0.01 to $9,999.99 |
---|---|
Fee | $25 per month |
To waive the fee | Receive monthly direct deposits of $5,000 or more · OR maintain a minimum daily balance of $2,500 · OR maintain a combined balance of $25,000 across eligible TD accounts |
Minimum deposit to open | $0 |
Intro or bonus offer | Earn $300 when you open this account and receive direct deposits of at least $2,500 within 60 days of opening. |
ATMs | 1,900 ATMs across the country and Canada |
ATM transaction fee | $0 |
ATM fee rebates | Unlimited fee rebates when you maintain a daily balance of at least $2,500 |
Out-of-network ATM fee | $0 |
Foreign transaction fee | 0% |
Overdraft fee | $35 |
Nonsufficient funds fee | $35 |
Review by
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
The Beyond Checking account is best for travelers looking for an interest-bearing checking account. As TD’s top-tier checking account it offers ATM fee reimbursements and a small APY that depends on your balance. It also offers 0% foreign transaction fee.
But beware of the $25 monthly fee if you fail to meet any of the fee-waiver conditions and its foreign ATM access fee.
You can apply for this account at a branch, by phone or online. Here’s how to get started:
This account has FDIC insurance to keep your money safe and perks that help you save:
Despite the fee reimbursements and other money-saving features, there are a few things you should watch out for:
If you’re looking for a checking account that has lower fees or more branches, you’ll want to keep looking. As always, compare your options when choosing a checking account.
You can contact TD Bank every day of the week, by:
Yes. TD Bank has four other checking options available:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — 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.