Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

TD Beyond Checking account review

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.

No reviews yet. Write a review

$25 per month

Fee

0.01%

APY

$0

Minimum deposit to open

Details

APY0.01% on balances of $0.01+
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 offerOpen a TD Beyond Checking account and add $2,500 in direct deposits or more within 60 days.
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
Avatar

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.

How do I open a TD Beyond Checking account?

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

  1. Go to the provider’s site and follow the steps to apply.
  2. From the TD Bank website, hover over Products and click Checking.
  3. Scroll down to TD Beyond Checking and click Open Account.
  4. Select your desired account options and click Start application.
  5. Enter your personal information, then click Next.
  6. Proceed through the eight steps, confirm all details, verify your identity and click Next.
  7. 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

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 non-TD ATM fees, two overdraft fees a year, one outgoing domestic or international wire transfer fee a month, 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 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, $30 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 Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
$0 per month
$0
N/A
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.
US Bank Smartly Checking
Finder Rating: 3.2 / 5: ★★★★★
Bonus
US Bank Smartly Checking
$6.95 per month
$25
N/A
New offer: Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 11, 2023. Member FDIC
Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. Easily send and receive funds via Zelle. Waive overdraft fees by depositing money before the forgiveness deadline. Member FDIC.
BMO Harris Smart Advantage™ Account
Finder Rating: 4.7 / 5: ★★★★★
Bonus
BMO Harris Smart Advantage™ Account
$0 per month
$25
N/A
Get a $200 bonus when you open a new Smart Advantage account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
Earn a $200 cash bonus after $4,000 deposits in the first 90 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs. Member FDIC.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
$0 per month
$0
N/A
Pay $0 monthly and overdraft fees, and get reimbursed for domestic ATM fees. No opening deposit or minimum balance requirement. Get your paycheck up to 2 days early with direct deposit. FDIC insured.
Chase Total Checking
Finder Rating: 3 / 5: ★★★★★
Bonus
Chase Total Checking
$12 per month
$0
N/A
New Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers. Member FDIC.
GO2bank
Finder Rating: 3.7 / 5: ★★★★★
GO2bank
$5 per month
$20
4.50% on balances of $0 to $5,000
Get your direct deposit up to 2 days before payday. $0 fees with eligible direct deposit. Otherwise $5 monthly fee. Earn 4.5% APY on savings balances. FDIC insured.
loading

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site