Citizens Bank beats TD Bank on monthly fee ($9.99 vs $15) and fee waiver ease (one deposit vs $100 daily balance). TD Bank has a higher default ATM limit ($1,000 vs $500) and a larger branch network in the Northeast. Both serve the same core market but have meaningfully different fee structures.
Citizens vs TD Bank: Head-to-Head
| Feature | Citizens Bank | TD Bank |
|---|---|---|
| Monthly fee (main checking) | $9.99 | $15 |
| Fee waiver | 1 deposit any amount | $100 daily balance |
| Overdraft fee | $35 (max 5/day) | $35 (max 5/day) |
| Daily ATM limit | $500 | $1,000 |
| Owned ATMs | ~3,300 | ~2,600 |
| Allpoint network | ✅ 55,000+ | Limited |
| OON ATM fee | $3.00 | $3.00 |
| Domestic wire (outgoing) | $30 | $30 |
| Incoming domestic wire | $12 | $15 |
| Zelle | ✅ ($500/day) | ✅ ($1,000/day) |
| Phone hours (Mon–Fri) | 7AM–10PM ET | 6AM–9PM ET |
| Saturday phone | 9AM–7PM ET | 6AM–9PM ET |
| Sunday phone | 9AM–7PM ET | 6AM–9PM ET |
| States | 14 | 15 |
| FDIC insured | ✅ | ✅ |
Monthly Fee: Citizens Wins
Citizens’ $9.99/month is $5 less than TD Bank’s $15/month. More importantly, Citizens’ waiver requires one deposit of any amount — while TD Bank requires a $100 minimum daily balance maintained every day.
Annual cost without waiver: Citizens = $120/year | TD Bank = $180/year
Fee Waiver Comparison
| Bank | Monthly Fee | Waiver Requirement |
|---|---|---|
| Citizens | $9.99 | 1 deposit (any amount) |
| TD Bank | $15 | $100 minimum daily balance |
| Huntington | $0 | No waiver needed |
TD Bank’s $100 balance waiver is achievable, but it means your balance can’t drop below $100 at any point — Citizens’ one deposit requirement has no balance floor.
ATM Access: TD Bank’s Higher Limit
TD Bank’s default ATM limit of $1,000/day doubles Citizens’ $500/day limit. For customers who regularly withdraw large amounts of cash, this is a meaningful advantage. Citizens customers needing more can call 1-800-922-9999 to request an increase.
Customer Service Hours: Tied on Weekdays, Citizens Wins Sundays
Both banks offer extended weekday phone hours. Citizens (7AM–10PM) slightly edges TD Bank (6AM–9PM) on late-evening weekday calls. On Sundays, Citizens’ 9AM–7PM support is comparable to TD Bank’s 6AM–9PM Sunday support — both have meaningful Sunday coverage.
Who Should Choose Each Bank
Choose Citizens Bank if:
- You want the easiest fee waiver possible (one deposit of any amount)
- You don’t regularly need more than $500/day from ATMs
- You want a slightly lower monthly fee ($9.99 vs $15)
- You prefer Allpoint network ATM access at 55,000+ locations
Choose TD Bank if:
- You want a higher default ATM withdrawal limit ($1,000/day)
- You prefer maintaining a $100 balance to avoid monthly fees
- You want TD Bank’s specific Northeast branch locations
- You need Zelle limits above Citizens’ $500/day
Related Guides
- Citizens Bank fees 2026 — full fee schedule
- Citizens Bank ATM limit 2026 — $500/day, Allpoint network
- TD Bank guide 2026 — routing number, fees, hours
- Citizens Bank routing number 2026 — by state
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