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TD Beyond Checking account review

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A checking account with a $300 signup bonus, 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

Up to 0.03%

APY

$0

Minimum deposit to open

Details

APY0.03% 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
Monthly fee$25 per month
To waive the feeReceive 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$0
ATM fee rebatesUnlimited fee rebates when you maintain a daily balance of at least $2,500
Out-of-network ATM fee$0
Foreign transaction fee0%
Overdraft fee$35
Nonsufficient funds fee$35

Expert review

Peter Carleton

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.

Expert review

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.

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.

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.

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.

Compare with other checking accounts

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
HSBC Premier Checking
$1
Free to use at all ATMs in the US
$0
Get up to $700 (max. $120 per month) for eligible new customers who open an HSBC Premier checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
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.
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.
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.
N26
N26
$0
Fee-free ATM withdrawals at Allpoint ATMs
$0
A digital bank account with no hidden fees, no minimum account balance and no maintenance charges.
BBVA Online Checking
$25
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$3
A full-service account with convenient, surcharge-free access to two massive ATM networks
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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 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 pays you a $150 signup bonus, gives you access to discounts on other products and has an avoidable $15 monthly maintenance fee.

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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