TD Bank, N.A. is a major East Coast bank with approximately 1,100 branches and 2,700 ATMs stretching from Maine to Florida. Its “America’s Most Convenient Bank” brand is backed by genuine accessibility: most branches open 7 days a week with extended weekday hours, and customer service is available 24/7 by phone. TD Bank’s $5.99 monthly fee with a $100 waiver threshold is the most accessible among major banks — well below Chase ($1,500) or Bank of America ($1,500). Overdraft protection transfers from a linked savings account are free.
TD Bank at a Glance
| Feature | TD Simple Checking | TD Convenience | TD Beyond Checking |
|---|---|---|---|
| Monthly fee | $5.99 | $15 | $25 |
| Fee waiver | $100 min balance | $100 min balance | $2,500 avg balance |
| Overdraft fee | $35 | $35 | $35 |
| Overdraft protection | Free (linked savings) | Free | Free |
| ATM limit | $750 | $750–$1,000 | $1,000–$1,500 |
| Non-TD ATM fee | $3.00 | $3.00 | Unlimited reimbursement |
| FDIC insured | Yes — $250,000 | Yes | Yes |
| Branches | ~1,100 | Same | Same |
| ATMs | ~2,700 (East Coast) | Same | Same |
Fee Summary
| Fee | Amount |
|---|---|
| Monthly maintenance (Simple Checking) | $5.99 (waivable at $100) |
| Monthly maintenance (Beyond Checking) | $25 (waivable at $2,500) |
| Overdraft fee | $35 (max 3/day) |
| Overdraft protection transfer | Free (linked savings) |
| Non-TD ATM | $3.00 |
| International ATM | $3.00 + 3% |
| Outgoing domestic wire | $30 |
| Outgoing international wire | $50 |
| Stop payment | $35 |
ATM Limits by Account
| Account | Daily ATM Limit | Non-TD ATM Fee |
|---|---|---|
| TD Essential Banking | $750 | $3.00 |
| TD Convenience Checking | $750–$1,000 | $3.00 |
| TD Beyond Checking | $1,000–$1,500 | Unlimited reimbursement |
Routing Numbers — Quick Reference
| State | Routing Number |
|---|---|
| New Jersey / Delaware | 031201360 |
| New York (NYC Metro) | 026013673 |
| New York (Upstate) | 021302567 |
| Massachusetts / Rhode Island | 211370545 |
| Connecticut | 011103093 |
| Florida | 067014822 |
| Pennsylvania | 036001808 |
| Maryland / DC / Virginia | 054001725 |
| North Carolina / South Carolina | 053902197 |
| Maine | 211274450 |
| New Hampshire | 011400071 |
| Vermont | 011600033 |
| Wire transfers (all states) | 031101266 |
| SWIFT code (international) | TDOMCATTTOR |
TD Bank’s Key Differentiators
| Feature | Why It Matters |
|---|---|
| $100 fee waiver | Lowest among all major banks (Chase: $1,500, BofA: $1,500) |
| Free overdraft protection | Most banks charge $5–$12.50 per transfer |
| 24/7 live phone support | Request ATM limit increases at midnight or on holidays |
| Extended branch hours | Most open 7 days/week including Sundays |
| Free coin counting | Penny Arcade machines at most branches |
All TD Bank Guides
- TD Bank Fees 2026 — monthly fees, overdraft charges, ATM costs, fee waiver requirements
- TD Bank ATM Limit 2026 — daily limits by account, 24/7 increase process, Beyond Checking reimbursement
- TD Bank Routing Number 2026 — all East Coast states, wire routing 031101266, SWIFT code TDOMCATTTOR
- TD Bank Customer Service 2026 — 24/7 phone numbers including holidays, how to reach a live person
- TD Bank Hours 2026 — 7-day branch schedule, Sunday hours, holiday closures
- TD Bank Minimum Balance Requirements 2026 — 00 waiver threshold, all account tiers compared
- TD Bank Mobile Deposit Limit 2026 — daily caps, 8 PM ET cutoff, funds availability by check type
- TD Bank Transfer Limits 2026 — Zelle, ACH, wire limits, routing numbers, SWIFT code
- TD Bank vs Chase 2026 — fees, Sunday hours, Zelle limits, and branch coverage compared
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