TD Bank’s monthly fee on its basic checking account is $5.99, waivable with a $100 minimum daily balance — the lowest bar among major banks. Overdraft fees are $35 per item (capped at 3 per day), with free overdraft protection transfers from a linked TD savings account. Out-of-network ATM fees are $3.00 per transaction.
TD Bank’s biggest competitive advantage is accessibility: that $100 waiver threshold is far below Chase’s $1,500 or Wells Fargo’s $500. The trade-off is geographic — TD Bank’s branches and ~2,700 ATMs are concentrated on the East Coast (Maine to Florida). Here’s the complete 2026 fee schedule.
See the TD Bank overview for ATM limits, routing numbers, and account comparisons.
TD Bank Fees at a Glance
Fee Type
Amount
How to Avoid
Monthly Maintenance (Simple)
$5.99/month
$100 minimum balance
Monthly Maintenance (Beyond)
$25/month
$2,500 average balance
Overdraft Fee
$35/item
Link savings (free) OR opt out
Non-TD Bank ATM
$3.00/transaction
Use TD ATMs
Wire Transfer (Domestic out)
$30
Use Zelle (free)
Wire Transfer (International out)
$50
Use ACH where possible
Stop Payment
$35/request
—
Cashier’s Check
$8/check
—
TD Bank Monthly Maintenance Fees
Checking Account Fees
Account
Monthly Fee
How to Waive
TD Simple Checking
$5.99
$100 minimum daily balance
TD Convenience Checking
$15
$100 minimum daily balance
TD Beyond Checking
$25
$2,500 average daily balance
TD Simple Checking stands out with just a $100 balance requirement — significantly lower than Chase ($1,500), Bank of America ($1,500), or Wells Fargo ($500). Almost anyone can maintain $100 and avoid fees entirely.
TD Beyond Checking is the premium tier with unlimited ATM fee reimbursements, free cashier’s checks, and waived wire fees.
Savings Account Fees
Account
Monthly Fee
How to Waive
TD Simple Savings
$5
$300 minimum balance OR linked to TD checking
TD Savings
$5
$300 minimum balance
The easiest way to eliminate the TD Simple Savings fee is to link it to your TD checking account — no minimum balance required when linked. This also enables free overdraft protection transfers.
TD Bank Overdraft Fees
TD Bank charges $35 per overdraft item with a cap of three fees per day. What sets TD apart is its free overdraft protection transfer from a linked savings account. Most banks charge $5–$12.50 per transfer; TD charges nothing.
Overdraft Detail
Policy
Fee per overdraft
$35
Maximum daily fees
3 ($105 total)
Grace period
Until end of next business day
Overdraft Protection transfer
Free from linked TD savings
Return item fee
$35
Avoiding TD Bank Overdraft Fees
Link a TD savings account — Free automatic transfers instead of $35 fee
Opt out of overdraft coverage — Transactions decline instead
Set up balance alerts — Get notified before you go negative
Use TD Beyond Checking — Same $35 fee, but free ATM access eases daily cost burden
$100 balance (waived) + TD ATMs only + linked savings
$0
Keeping $100 and linking savings for overdraft protection are the two highest-leverage actions for minimizing TD Bank costs.
TD Bank ATM Fees
ATM Type
Fee
TD Bank ATM
$0
Non-TD ATM (US)
$3.00
International ATM
$3.00
Foreign currency ATM
$3.00 + 3% foreign transaction fee
TD Bank ATM Network
TD Bank operates approximately 2,700 ATMs concentrated on the East Coast. For daily withdrawal limits, see the TD Bank ATM limit guide.
Bank
ATM Network Size
Capital One/Allpoint
70,000+
Chase
16,000+
Bank of America
16,000+
Wells Fargo
12,000+
TD Bank
~2,700
ATM Fee Reimbursement by Account
Account
Non-TD ATM Reimbursement
Simple / Convenience Checking
None
TD Beyond Checking ($2,500 balance)
Unlimited
TD Bank Wire Transfer Fees
Wire Type
Fee
Domestic outgoing
$30
Domestic incoming
$15
International outgoing
$50
International incoming
$15
TD Beyond Checking customers may receive reduced or waived wire fees. If you need your TD Bank routing number for wire setup, the wire routing number is 031101266 for all states (separate from state-specific ACH numbers).
Free Alternatives
Method
Cost
Speed
Zelle
Free
Instant
External ACH
Free
1–3 business days
Other TD Bank Fees
Account Service Fees
Service
Fee
Stop payment
$35
Cashier’s check
$8
Money order
$5
Safe deposit box
Starting at $25/year
Paper statements
$0
Account research
$25/hour
Debit Card Fees
Service
Fee
Debit card replacement
Free
Rush replacement
$25
International debit purchases
3% foreign transaction fee
Miscellaneous
Service
Fee
Returned deposited item
$15
Inactive account (24+ months)
$5/month
Early account closure (within 90 days)
$25
TD Bank Fees vs. Competitors
Fee Type
TD Bank
Chase
BofA
Capital One
Ally
Monthly fee
$5.99
$12
$12
$0
$0
Balance to waive
$100
$1,500
$1,500
N/A
N/A
Overdraft
$35
$35
$10
$0
$0
Overdraft protection transfer
Free
Free
Free
N/A
N/A
Out-of-network ATM
$3.00
$3.50
$2.50
$0
$0
TD Bank wins on fee waiver accessibility ($100 minimum is the lowest among major banks) but loses on ATM network size and overdraft fees vs. online banks.
TD Bank’s Unique Advantages
Feature
Why It Matters
$100 fee waiver
Far lower than any other major bank
Free overdraft transfers
Most banks charge $5–$12.50 per transfer
7-day-a-week branches
Many open until 8 PM weekdays and on Sundays
24/7 live phone support
Real person available at midnight for limit increases
Free coin counting
Penny Arcade machines at most branches
Is TD Bank Worth It?
TD Bank makes sense if you:
Live on the East Coast (Maine to Florida)
Want the lowest balance requirement to avoid fees
Value extended banking hours and Sunday service
Rarely use ATMs outside TD locations
Want free overdraft protection transfers
Consider alternatives if you:
Live outside the East Coast
Travel frequently outside the Northeast
Frequently overdraft (Bank of America charges $10, Ally $0)
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
