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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
0.01%
APY
$0
Minimum deposit to open
APY | 0.01% on balances of $0.01+ |
---|---|
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 | Open a TD Beyond Checking account and add $2,500 in direct deposits or more within 60 days. |
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:
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.
TD Beyond Checking is not currently available on Finder
Have you considered Chime Checking account?
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.