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If the student is under the age of 18, he/she must open a joint checking account with a parent or legal guardian at a TD Bank location.
Upon the primary account holders 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.
Free access at thousands of TD ATMs in the U.S. and Canada.
Free access at thousands of TD ATMs in the U.S. and Canada.
When using your TD Debit Card while in a foreign country, TD Bank does not charge any foreign transactions fees. When converting the funds to US Dollars, TD Bank will not charge you a fee or percentage.
Cash Deposited fee: $0.20 per $100 For deposits over $10,000 per statement cycle.
When using your TD Debit Card while in a foreign country, TD Bank does not charge any foreign transactions fees. When converting the funds to US Dollars, TD Bank will not charge you a fee or percentage.
Talk to a Small Business Banking Specialist for current interest rates.
Up to 200 free items paid and/or deposited included per statement cycle; $0.75 for each item thereafter.
Up to $5,000 in cash deposits included per statement cycle; $0.20 per $100 thereafter.
When using your TD Debit Card while in a foreign country, TD Bank does not charge any foreign transactions fees. When converting the funds to US Dollars, TD Bank will not charge you a fee or percentage.
No Checking Accounts Available from TD Bank
If you are an authorized representative of TD Bank, please contact us to have your products included.
THIS BANK IS A JOKE, I CALLED THE CUSTOMER SERVICE, AND THEN TALKED TO A ACCOUNT ADVISOR CALLED FIRST NAME SYDNEY. I WAS A NEW CUSTOMER AND FIRST TIME CALLING THEIR CUSTOMER SERVICE BECAUSE I NEEDED HELP TO LOGIN INTO MY ACCOUNT THEN THEY ASKED ME TO VERIFY MY PASSWORD WHICH I DID NOT REMEMBER BECAUSE I OPENED THIS SPECIFIC ACCOUNT ONLINE AND I NEVER CREATED A PASSWORD THERE!! I COULD NOT TELL MY PASSWORD TO THIS REP AND SYDNEY, GUESS WHAT HE TOLD ME TO GO TO THE BRANCH, WE CAN NOT HELP YOU OVER THE PHONE ! I TOLD MY SOCIAL SECURITY NUMBER, ADDRESS, CARD NUMBER AND ALL, BUT HE SAID HE NEEDED A PASSWORD TO VERIFY ME AND IT WAS THE ONLY WAY TO VERIFY THEIR CUSTOMERS ?? I CAN NOT BELIEVE THIS, HOW IS THIS THE MOST CONVENIENT BANK HERE IN US, IT IS TOTALLY BIAS , THEY ARE LIARS YOU SCAMMING PEOPLE BECAUSE IT IS A FALSE ADVERTISEMENT RIGHT THERE. SHAME ON YOU ACCOUNT ADVISOR CALLED SYDNEY FROM MT LAUREL NJ. I DO NOT RECOMMEND THIS BANK AT ALL TO ANYBODY , PLEASE GO BANK WITH OTHERS AND DO NOT LET THESE TYPE OF PEOPLE MAKE MONEY FROM YOU!…show more
Beware of the atm. It will still your money. I deposited my paycheck friday in the amont of {exampel{) $657. 67. Well it only put the $57.67 in my account. Yeah!. I went inside only to be told they couldnt do anything but repirt it and i should get get it in 10 days. I have auto bills that come out. Called costumer service. Told me the same thing. Here it is Wednesday and i still dont have MY money. Thank god i caught it. I probably would never see the $600. So beware of tbe atm.....…show more
Horrible, horrible people working for this bank. Wont release my payroll check money to buy gas to go to work. They have attitude that i want my own money be available. Dont deserve any star. I called the branch and their general number noone of them gave a damn.
I cannot believe that TD bank is one of the largest bank in the US. I opened my account in midtown New York. The lady who helped me opened my account misspelled my name and my ssn, but I didn’t realize it until the second when I am there to pick up my debit card. On the second day, the other lady there helped me did a correction on my ssn and copied my ssn card and saved to there file. Six months later, I went to the TD bank in Flushing with my mom to add her name to my account. And a week later when my mom was there again, she was told that her name is not on my account... so interesting. So I went there again with my mom, and realized that my name and ssn are still the wrong one on the file..... so I asked the costumer representative who assisted us if he can change it, and he said he needed the copy of my ssn card. I told him the midtown office had already take the copy twice and asked if he can go through the system to retrieved it. And he told me he was unable to because my file is kept in midtown branch system. What a great bank and wonderful experience.…show more
TD Bank is the worst. First of all the annoying things that make it an inconvenient bank, but don't make you want to go through the trouble of closing your accounts. Almost every day the ATMs are out of order around NYC. The mobile app rarely works outside of banking hours. Customer service wait times are very long, and once you reach an agent the hoops you have to jump through to prove it's your account are incredible. They have a policy that transactions are handled in time order, so if I have a recurring payment that goes through a day early, which happens often, and I see that it's unexpectedly pending, and deposit money to cover it before it posts, I am still charged an overdraft fee. I hate all those things about TD Bank, but today I had an experience that set me over the edge and I am definitely closing my account as soon as my check is cleared. I deposited my paycheck from work on Friday after the cutoff time, so it's usually available to me on Monday when that happens, but this time it wasn't. I assumed it would be available on Tuesday because another annoying thing is that they're inconsistent about whether Saturday deposits will be available on Monday or Tuesday. I had no reason not to believe it would be available Tuesday as per usual, but Tuesday morning it was still on hold with a code that said something like FM Hold - See SM. I was told this meant see secure messages. No messages. I called customer service to ask about it and the agent just gave me a bunch of nonsense read from a script and couldn't explain anything to me so I asked for a manager. The manager told me it was just a random hold that they do sometimes and even though I have been depositing checks in this amount from this employer since I opened the account two years ago they flagged it for verification, and I can expect this to happen at any time in the future. I asked why I wasn't sent a message to notify me that the deposit wouldn't be available when it usually is and she said it isn't their policy to notify customers about extended holds because they don't have the manpower. I think that is incredibly bad customer service. I had scheduled payments to the IRS and my credit card company to go through on the day I expected my deposit to be available, so I had to take time away from work to withdraw money from my savings and deposit it into my checking account to make sure my payments cleared so I wouldn't be in trouble with the IRS and get charged overdraft fees. The manager told me that in the future I can check with the bank manager of the branch where I make my deposits every time I make a deposit to find out if there will be an extended hold. She seemed to think this was a reasonable thing to expect. The whole situation is just so abusive to the customer. I feel taken advantage of. I feel powerless to control my own finances, and each of the people I talked to clearly didn't care and basically just said oh well, not my problem, deal with it. I'm not a deadbeat customer either. I have a very high credit score because I pay all my bills early, I keep money in the bank, I don't cause problems or have unreasonable expectations. There's no reason they shouldn't treat me like a valued customer. My expectation that they should notify the customer ahead of time if a check will have an extended hold time is not unreasonable at all considering it's a checking account and the main reason to have a checking account is to pay bills, but apparently they don't think their customers deserve this courtesy. I really hope they go out of business because they definitely deserve it.…show more
TD Bank has the worst customer service and efficiency I have ever encountered. I tried to use Zelle to make a rent payment. My payment had a red flag put on it because my first time payment was large. Okay, fair—I call them, they say the payment will be cancelled and I can send it again after it’s cancelled. The next day, I go into my account to resend the payment and find that my entire account is on hold, in direct contradiction to what the customer service representative told me the previous day. I call again. I’m told that I need to go to a brick and mortar bank to verify my identity. Wouldn’t be a problem, except that I live in Louisiana and the nearest bank is in Florida. I tell them that, they say I have to come to Florida. I’ve never had suspicious account activity, no overdrafts, nothing. Just a college kid trying to pay rent, and TD bank tells me I need to drive through four states because they cancelled my payment. I will no longer be a customer of TD bank, and will be warning everyone I can about this crooked company.…show more
I have been a TD bank customer for roughly 20 years. It was my first checking account. My entire family banks with TD. 1 month ago I lost my wallet and my debit card was used for a multitude of charges and withdraws of 1,300 dollars. On top of it, TD charged me with $140.00 in overdraw fees as well as non ATM charges and maintainence fee for my account being under $100.00 dollars. I turned the claim into TD fraud department and the came back twice with denials. They told me the reason was that they could not get in touch with police department. The process is going through a third time claim. I spoke with a manager Chad from the Mt. Laurel branch and let him know that If this isn’t rectified correctly TD bank will lose not only myself as a customer, but my entire family as well. It’s really upsetting that I have been banking with this institution my whole life and the one time I have a fraudulent claim they would deny me. I do not want to submit anonymously, my name is Joe Ostrowski…show more
TD Bank is an absolutely horrible place to do business. I opened an online account in accord with their policy to get a cash incentive, and never got it. First, trying to get anyone online is a huge hassle. Then, when you get someone you have to tell them the date of your last transaction. WTF??? If you're smart enough to have written it down, or gotten it online or by going into a branch, you still won't get a straight answer as to why you never got the promised cash incentive. Multiple customer service people didn't know, put me on hold forever, hung up on me, and transferred me to nowhere. I never got any of their employee ID numbers—they lied about why they couldn't give that to me. I couldn't get a supervisor. I couldn't even get their location and a name of a supervisor to write to. Going into the bank the people at the desks couldn't help either; they don't handle that, they said. The same happened with my wife opening ann online checking account and not receiving the promised cash incentive. All in all, it was an absolutely horrendous experience. I'm guessing hundreds, if not thousands, of others have had the same experience!…show more
THE WORST BANK EVER Worst costumer service I have ever received, what one says is different from others. My biggest mistake was to open a credit card with them because the branch manager lied to me that they have the best balance transfer for 4%, meanwhile all other banks had it lower then that, like Chase 2%, Bank of America 3%, etcetera. The craziest thing is that they do not have 0% APR for the first year of opening the credit card like every other credit card in the world. I have very good credit and the best they could do was 18%APR meanwhile the max others offered me was 12%APR. I don't want to write more about them and lose my time, but STAY AWAY FROM TD BANK. There were so many bad experiences with this bank that now I love and appreciate every other credit card and their costumer service, rates, quality, fees and everything else they offer that TD Bank does not.…show more
I have had an account at TD Bank for over 2 years, and have only had one problem. The teller deposited my paycheck into someone else's account by mistake. As a result, I overdrew my account because I thought the money was in there. I understand errors happen, but no one seemed to want to take responsibility for it. The manager was able to get my money credited to my account about 3 days later, and agreed to refund my fees. In the end, the problem was solved, but it could have been done so more quickly. It was very frustrating having my funds in limbo for those few days.…show more
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.
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