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.

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.

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.