TD Bank Checking review

TD Bank offers new customers $300 on TD Beyond Checking and $200 on TD Complete Checking with qualifying activity, and its checking page says new TD checking customers earn up to $300 with qualifying direct deposits. The bonus amounts are lower than the leaders here, so TD makes most sense if you already bank near a TD branch. TD Complete Checking has a $15 monthly maintenance fee, waived with $500 or more in direct deposits in a statement cycle, a $500 minimum daily balance, a $5,000 combined balance, or when the primary owner is aged 17 to 23. TD Beyond Checking has a $25 fee, waived with $5,000 in direct deposits, a $2,500 daily balance or a $25,000 combined balance. Both accounts get direct deposits up to 2 business days early with TD Early Pay and have no fees at TD ATMs. The basic TD Essential Banking account has no bonus.

Who it is for

customers who live near a TD branch

Price

$200 to $300 bonus; monthly fees of $15 (Complete) or $25 (Beyond) unless waived.

New customers can earn $300 with qualifying activity New customers can earn $200 with qualifying activity None Monthly maintenance fee $25 $15 $4.95
Quoted from the vendor pricing page on November 14, 2026.

Key features

• $300 bonus on TD Beyond Checking with qualifying activity
• $200 bonus on TD Complete Checking with qualifying activity
• TD Complete fee waived with $500 in direct deposits or a $500 daily balance
• TD Beyond fee waived with $5,000 in direct deposits or a $2,500 daily balance
• Direct deposits up to 2 business days early with TD Early Pay

Strengths and weaknesses

• Strength: Two bonus levels, so you can match the account to your balance
• Strength: TD Complete fee waiver needs only $500 in direct deposits
• Strength: No fees at any TD ATM
• Weakness: Smaller bonuses than Chase, Truist or SoFi
• Weakness: TD Beyond carries a $25 monthly fee unless waived
• Weakness: TD Essential Banking has no bonus

Key facts

• Bonus: $300 Beyond, $200 Complete
• Monthly fee: $25 Beyond, $15 Complete
• Complete fee waiver: $500 direct deposits or $500 daily balance
• Early pay: Up to 2 business days

Where it ranks

TD Bank Checking is No. 7 in our Best Bank Bonuses verdict.