What is the TD Bank Convenience Checking monthly fee?

TD Bank Convenience Checking has a $15 monthly fee. It is waived with any qualifying direct deposit (payroll, government benefits, pension) OR by maintaining a $100 minimum daily balance — one of the easiest balance waivers among major banks. The $100 balance threshold means almost any customer with a positive balance qualifies for the fee waiver.

How do I waive the TD Bank monthly fee?

TD Bank Convenience Checking's $15 fee is waived with: (1) any qualifying direct deposit of any amount per statement cycle, or (2) a $100 minimum daily balance throughout the statement cycle. The $100 balance waiver is unusually low — Chase requires $1,500 and Citi requires $1,500 for balance-based waivers. Almost any customer with a positive checking balance qualifies.

What are TD Bank's checking account hours?

Many TD Bank branches are open 7 days a week, including evenings and some holidays. Typical hours are Monday–Friday 8am–8pm, with Saturday and Sunday hours varying by location. TD Bank advertises itself as 'America's Most Convenient Bank' specifically because of its extended hours — a meaningful differentiator from Chase, BofA, and Wells Fargo, which have limited weekend hours.

Does TD Bank have overdraft fees?

TD Bank charges a $35 overdraft fee per transaction (up to a maximum per day). TD offers optional overdraft protection linking from a TD savings account ($10 transfer fee per transfer) or a TD line of credit. TD has a $50 overdraft fee grace — charges apply only if the account goes more than $50 negative, meaning small shortfalls under $50 are not charged the overdraft fee.

TD Bank Checking Account 2026: Convenience, Beyond & Fee Guide

TD Bank Convenience Checking charges $15/month — waived with any direct deposit or just a $100 minimum daily balance. The $100 balance waiver is one of the easiest in the industry. TD’s extended branch hours (7 days a week including evenings) are the bank’s primary competitive advantage over Chase, Wells Fargo, and other large banks.

Key facts: $15/month fee (waived with any DD or $100 balance), 7-day branch hours, $3 out-of-network ATM fee, $35 overdraft fee (with $50 grace).

TD Bank Checking Tier Comparison

Account	Monthly Fee	Waiver	ATM Reimbursement
Convenience Checking	$15	Any DD or $100 balance	None
Beyond Checking	$25	$2,500 DD or $2,500 balance	2/month
Simple Checking	$5.99	No waiver	None
Student Checking	$0	Enrolled student	None

Convenience Checking: The Standard Option

TD Bank Convenience Checking is the most popular account for everyday banking:

Fee waiver — extremely accessible:

Any direct deposit of any amount (unlike Chase’s $500 minimum DD)
$100 minimum daily balance (unlike Chase’s $1,500 or Citi’s $1,500)

Most customers easily qualify for one of these waivers.

Standard features:

Visa debit card
Zelle
Online bill pay
Mobile check deposit
Account alerts
Access to 2,700+ TD ATMs (Northeast-focused)

Overdraft policy:

$35 fee per overdraft transaction
$50 grace: TD does not charge the overdraft fee if the account is overdrawn by $50 or less
Overdraft protection available: link TD savings (transfer fee $10/occurrence) or a TD line of credit

The $50 overdraft grace is useful for minor cash flow timing issues — a small shortfall of $30 or $40 won’t trigger a $35 fee.

Beyond Checking: For Higher-Balance Customers

Beyond Checking ($25/month) adds:

2 out-of-network ATM fee reimbursements per statement cycle
Slight interest on checking balance
Free TD-branded checks
Various relationship benefits

Fee waiver: $2,500 in direct deposits per month OR $2,500 minimum daily balance.

Beyond Checking makes sense for customers maintaining $2,500+ at TD who travel frequently (out-of-network ATM reimbursements) or who value the interest on checking. For most customers, Convenience Checking’s lower fee and easier waiver is preferable.

Simple Checking: The No-Frills Option

Simple Checking ($5.99/month, no waiver) is a basic account with no check-writing and no overdraft coverage. Transactions decline when funds are insufficient. At $5.99/month with no path to fee waiver, it’s more expensive than Truist Bright Banking ($5) and Chase Secure Banking ($4.95) for similar basic banking.

Student Checking: Free for Students

TD Student Checking is free for enrolled students with a valid student ID. Features include Zelle, bill pay, mobile deposit, and a debit card. The account typically converts to Convenience Checking after graduation or at age 23.

Extended Branch Hours: TD’s Differentiator

TD branches typically offer:

Weekday hours: 8am–8pm (varies by location)
Saturday hours: 8am–2pm or later
Sunday hours: Available at many locations (most major banks offer no Sunday service)
Holiday hours: Many locations open on bank holidays when competitors are closed

For a self-employed person, a retail worker, or anyone who can’t visit a bank 9–5 Monday–Friday, TD’s hours create real practical value.

Zelle and Digital Features

All TD checking accounts include:

Zelle — instant P2P transfers
TD app — bill pay, mobile deposit, account management
TD MySpend — spending tracking and budgeting (mobile app feature)
Contactless debit card — for tap-to-pay transactions

TD Convenience Checking vs. Chase Total Checking

Feature	TD Convenience	Chase Total
Monthly fee	$15	$12
DD waiver	Any DD amount	$500 minimum
Balance waiver	$100	$1,500
Overdraft fee	$35 ($50 grace)	$34
ATMs	2,700	16,000+
Weekend hours	7 days	Limited

TD is slightly more expensive ($15 vs. $12) but has a much easier balance waiver ($100 vs. $1,500) and superior weekend/evening hours. Chase has a far larger ATM network.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy