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TD Bank Beyond Checking Account Review

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TD Bank provides banking services, including checking and savings accounts and a variety of loan products, both online and at over 1,300 branches in North America. The company is a subsidiary of Toronto Dominion Bank. TD Bank is located in New Jersey.
 
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How Do We Rate TD Bank Beyond Checking?

Breakdown

4.4/5
Account Features
4.4/5
Fees and Restrictions
4.4/5
Support, Reputation, and Financials

Our Overall Rating: 4.4 / 5 (Excellent)

TD Bank operates online and via more than 1,300 branches in North America.

TD Bank's Beyond Checking account is well-suited to businesses that make deposits and maintain balances of significant size each month. Most of its distinguishing features and benefits—and there are several—depend on meeting certain deposit and balance requirements. Gig workers and sole proprietors may find these minimums tough to meet, but if you have dependable cash flow and adequate cash reserves, the Beyond Checking account could be for you.

TD Bank Beyond Checking Account Features

Account Features - 4.4 / 5

TD Bank's Beyond Checking account is an interest-bearing account. The interest rate you earn depends on the balance you maintain.

You can bank with TD Bank online, via mobile app, or in person at one of over 1,300 branches. ATM transactions are free at branded ATMs. Fees charged by non-TD Bank ATMs are reimbursed for customers who maintain a minimum daily balance of $2,500.

One handy feature the Beyond Checking account offers is Rush Bill payments. Customers are allowed two per month. A fee is assessed for rush payments, but the service may help you avoid costly late charges you'd incur by paying your bills after their due dates.

Paper checks are free with TD Bank's Beyond Checking account, as are incoming wire transfers. Customers are entitled to one free outgoing wire transfer per month.

Types of Checking Accounts
Online Checking Accounts
Methods of Deposits
ATM Deposit
Mobile Check Deposit
Physical Branch
Wire Transfer
Online Transfer
No-Fee ATM
No-Fee at Branded ATMs
No-Fee at Network ATMs
Branch Offices
TD Bank operates 1,300 branch locations in North America.

Interest (APY)

Varies with balance

Overdraft Protection

You can decide how you want TD Bank to handle any overdrafts on your account. You can choose to have the bank simply decline ATM withdrawals or bill payments when your account is overdrawn or have the bank cover your overdrafts. If you authorize overdraft protection, you will be charged $35 for each overdraft paid. With a Beyond Checking account, you are entitled to two free overdrafts per year.
Pay Bills Online
Yes
Bank Checks
Yes
Mobile App
Yes

TD Bank Beyond Checking Fees and Restrictions

Fees and Restrictions - 4.4 / 5

TD Bank charges a $25 monthly fee on its Beyond Checking account. However, there are several ways to have the fee waived. You can make monthly direct deposits of $5,000 or more, maintain a minimum daily balance of $2,500, or maintain a combined balance of $25,000 across eligible TD accounts.

TD Bank also offers free money orders and bank checks and doesn't charge fees for stop payments or incoming wire transfers.
Maintenance Fee
$25
Maximum Number of Insufficient Funds Fees Per Day
5

TD Bank Beyond Checking Support, Reputation, and Financials

Support, Reputation, and Financials - 4.4 / 5

TD Bank is not rated by the Better Business Bureau. The BBB records a significant number of customer complaints. But TD Bank is a full service bank and offers a wide range of range of products. Many complaints registered by the BBB don't concern the bank's checking services. TD Bank receives 2 out of 5 stars on Trustpilot. Consumer reviews on that site are largely critical of the bank's customer service capabilities.

There have been over 5,000 complaints filed against TD Bank over the past three years. That number should be taken in the context of how many customers the bank serves, products it offers, and transactions completed. All in all, it's not a very high percentage.
BBB Total Complaints
1136
Trust Pilot Rating
2.1 out of 5
Consumer Financial Protection Board (CFPB) Complaints
5,715
Date Collected
2021-01-13
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
Aa2
Live Help 24/7
Yes
Customer Support Hours
24/7

Contact Methods

  • Phone
  • Email

Company Profile

Full Name
TD Bank Beyond Checking Account
Company Website
https://tdbank.com
Headquarters
1701 Route 70 East, Cherry Hill, NJ

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Top Rated
Our Partner
  • New customers earn $300 with qualifying direct deposits
  • No fees for ATM transactions at TD ATMs
  • Earn interest and get reimbursed for non-TD ATM transactions, rush bill payments, and more
  • Monthly maintenance fee waived if you meet minimum deposit requirements
  • FDIC Insured
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