APY
0.01%
As of Nov 8, 2026. Rates are variable.
TD Bank · Checking account
TD Beyond Checking
−$300 a year for an everyday customer. $25 a month. No minimum to open.
- A year, everyday customer
- −$300
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · td.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · td.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · td.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonuses
$2,500 in direct deposits within 60 days. About $1,250 a month for 2 months.
TD Beyond Checking · TD · for new customers
Ends Nov 30, 2026Meet it within 60 daysNew customers only
“Open a new TD Beyond Checking account and have $2,500 total in qualifying direct deposits post to the account within 60 days, with each direct deposit being at least a $250 payroll, pension, or government benefit payment; Person-to-Person payments and transfers from other accounts are excluded.”The bank’s page, checked Nov 8, 2026
$2,500 in direct deposits within 60 days. About $1,250 a month for 2 months.
TD Beyond Checking · TD · for new customers
Ends Nov 30, 2026Meet it within 60 daysNew customers only
“Open a new TD Beyond Checking account and have $2,500 in qualifying direct deposits post within 60 days for $300; for $500, also open a new TD Signature Savings or TD Simple Savings account, deposit at least $10,000 within the first 20 days, and maintain at least $10,000 for 90 additional days from”The bank’s page, checked Nov 8, 2026
Features
- ATM fee rebates
- Bill pay
- Check writing
- Contactless card
- Debit card
- Early direct deposit
- Free checks
- Free external transfers
- Interest bearing
- Minor accounts
- Mobile check deposit
- Online opening
- Overdraft grace period
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
Fees
- Monthly fee
- $25 a monthtd.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $5,000 or more in direct deposits within a statement cycle
- $2,500 minimum daily balance is maintained
- maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link
- Minimum to open
- Nonetd.com, checked Nov 8, 2026
- Overdraft fee
- $35td.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3td.com, checked Nov 8, 2026
- ATM network
- Non-TD ATMstd.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3td.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $70 a monthtd.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 3%td.com, checked Nov 8, 2026
- Incoming domestic wire
- $15td.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30td.com, checked Nov 8, 2026
- Incoming international wire
- $15td.com, checked Nov 8, 2026
- Paper statements
- Nonetd.com, checked Nov 8, 2026
- Cashier’s check
- $8td.com, checked Nov 8, 2026
- Stop payment
- $30td.com, checked Nov 8, 2026
Who can open it
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money