TD Beyond Checking account review June 2019 | finder.com

TD Beyond Checking account review

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TD Beyond Checking
  • Debit card, on the spot
  • Overdraft payback up to two times a year
  • No ATM fees with a $2,500 minimum daily balance

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

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.

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
Deposit methodsCash by teller
Cash by ATM
Check by teller
Check by ATM
Mobile/remote check deposit
Direct deposit
Cash
Check
Transfer
  • Cash by teller
  • Check by teller
  • Bank transfer
  • Cash by ATM
  • Check by ATM
  • Wire transfer
  • Mobile/remote check deposit
  • Direct deposit

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
2.00% on balances of $10,000+ or deposit $1+ each calendar month into any Aspiration cash management or investment account
Free to use anywhere worldwide
$0
Get a $100 bonus when you fund a new account with direct deposit. A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
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.
16,000 Chase ATMs and nearly 5,000 branches
$15/month
(can be waived)
If you’re new to Chase, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
Any ATM nationwide
$0
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
You’ll get fee-free access to over 56,000 ATMs around the world
$0
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Any ATM nationwide
$0
No fees. Unlimited domestic ATM fee reimbursements.

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 TD’s top-tier checking account that offers ATM fee reimbursements and a small APY that depends on your balance. But beware of the $25 monthly fee if you fail to meet any of the fee-waiver conditions.

If you’re looking for a checking account that has lower fees or more branches compare your options to find out what other accounts are out there.

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