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TD Beyond Checking account review

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A checking account with multiple fee reimbursements and three ways to avoid the $25 monthly fee

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

Monthly fee

0.05%

APY

$0

Minimum deposit to open

Details

APY0.05% on balances of $50,000+
0.03% on balances of $10,000 to $49,999.99
0.01% on balances of $0.01 to $9,999.99
Monthly 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 offerEarn $300 when you open this account and receive direct deposits of at least $2,500 within 60 days of opening
ATMs1,900 ATMs across the country and Canada.
ATM transaction fee$3
ATM fee rebatesWhen you maintain a daily balance of at least $2,500
Out-of-network ATM fee$3
Foreign transaction fee0%
Overdraft fee$35
Nonsufficient funds fee$35

What are the benefits of the TD Beyond Checking account?

This account has FDIC insurance to keep your money safe and perks that help you save:

  • No initial deposit. You don’t have to meet a minimum opening deposit requirement.
  • Fee reimbursements. Get reimbursed for two overdraft fees per year, non-TD ATM fees, rush bill payments and more.
  • Free overdraft transfers. If you have another TD account linked to this one, transfers to cover overdraft transactions are free.
  • Tiered interest. Earn between 0.01% to 0.01% APY depending on your balance.
  • Rate discounts. Get discounted rates for personal or home equity loans.
  • No fees on other accounts. Pay no maintenance fees on a TD Simple Checking account, Savings or Money Market account when you have the TD Beyond Checking account.
  • Opening bonus. Earn $300 when you open this account and receive direct deposits of at least $2,500 within 60 days of opening.

TD ATM network and fees

This account comes with a Visa debit card and over 1,900 ATMs across the country and Canada. If you can maintain a daily balance of at least $2,500, the bank will waive non-TD ATM fees. If not, you can expect to pay the following fees:

  • Domestic ATM fee. $3
  • Foreign ATM fee. $3

What should I look out for?

Despite the fee reimbursements and other money-saving features, there are a few things you should watch out for:

  • Service fees. TD charges $35 per paid overdraft charge, $25 per outgoing domestic wire transfer, and a $25 monthly fee to keep this account open.
  • ATM reimbursement requirement. To get reimbursed for non-TD ATM fees, you’ll need to maintain a daily balance of at least $2,500.
  • Limited branch and ATM availability. TD only has branches on the east coast and has about 1,900 ATMs, far fewer than other big banks.

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
A full-service account with convenient, surcharge-free access to two massive ATM networks.
0.05%
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$19/month
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 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.
Radius Bank Rewards Checking
Radius Bank Rewards Checking
1.20% on balances of $100,000+
1.00% on balances of $2,500 to $99,999.99
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
$12/month
(can be waived)
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 5,000 branches.
0.01%
38,000 fee-free ATMs nationwide
$0
Linked checking and savings accounts from a mobile-first bank that’s light on fees.

Compare up to 4 providers

How do I apply?

You can apply for this account at a branch, by phone or online. Here’s how to get started:

  1. Visit the TD Bank website, hover over Products and click Checking.
  2. Scroll down to TD Beyond Checking and click Open Account.
  3. Select your desired account options and click Start application.
  4. Enter your personal information, then click Next.
  5. Proceed through the eight steps, confirm all details, verify your identity and click Next.
  6. Fund your account.

Required information

  • Name and date of birth
  • Address
  • Social Security number
  • Email address and phone number
  • State-issued ID or passport
  • Income information

Eligibility

  • At least 18 years old
  • Social Security number
  • State-issued ID or passport
  • US resident

How do I deposit or withdraw money?

Deposits

  • Mobile check deposit
  • At an ATM or branch
  • Online or wire transfer
  • Direct deposit
  • Mail a check

Withdrawals

  • At an ATM or branch
  • Online or wire transfer
  • Cashback from participating merchant
  • Bill pay

How do I contact TD Bank customer service?

You can contact TD Bank every day of the week, by:

  • Phone: 866-222-3456
  • Live chat: Contact customer service via Facebook Messenger @TDBank
  • Twitter: @TDBank_US

Does TD Bank offer other checking options?

Yes. TD Bank has four other checking options available:

  • TD Simple Checking. A no-frills checking account with no minimum balance requirements and a monthly fee with no option to waive.
  • TD Student Checking. Designed for students and young adults between17 and 23 years old, this basic account has no minimum balance requirements or monthly fees.
  • TD 60 Plus Checking. This account has no balance requirements, earns a low interest rate and has a $10 monthly fee that can be avoided by maintaining a daily balance of $250.
  • TD Convenience Checking. TD’s most popular checking account gives you access to discounts on other products and has an avoidable $15 monthly maintenance fee.

Bottom line

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.

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.

Frequently asked questions

Checking account ratings

★★★★★ — 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.

Read the full methodology of how we rate checking accounts.

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