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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.
$25 per month
Fee
Up to 0.03%
APY
$0
Minimum deposit to open
Details
| APY | 0.03% 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 |
|---|---|
| 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 |
| 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
peter.carleton@findercrew.comPeter 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:
- Click Apply now.
- From the TD Bank website, hover over Products and click Checking.
- Scroll down to TD Beyond Checking and click Open Account.
- Select your desired account options and click Start application.
- Enter your personal information, then click Next.
- Proceed through the eight steps, confirm all details, verify your identity and click Next.
- 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 0.01% to 0.03% 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 Checkingâ„ 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
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 Checkingâ„ . A no-frills checking account with no minimum balance requirements and a monthly fee with no option to waive.
- TD 60 Plus Checkingâ„ . 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.
