TD Bank, N.A. is one of the largest East Coast banks in the US, with roughly 1,100 branches from Maine to Florida and about 2,700 ATMs. Its “America’s Most Convenient Bank” brand is backed by 7-day branch hours at most locations, 24/7 live phone support, and one of the most accessible fee waiver thresholds at any major bank.
Quick answer: TD Bank is best for East Coast customers who want branch access and Sunday hours. The $100 fee waiver threshold is the lowest of any major bank. Savings rates are not competitive — pair TD with an online HYSA if yield matters.
The fastest path into the cluster: checking account, fees, and routing number. From there, ATM limits, customer service, and the full review fill in the rest.
TD Bank At A Glance
| Feature | What to know |
|---|---|
| Main footprint | East Coast — Maine to Florida |
| Branch count | ~1,100 |
| ATM count | ~2,700 |
| Best for | Branch access, extended hours, checking |
| Weakest area | Savings and CD rates |
| Fee waiver minimum | $500 (TD Complete Checking direct deposit or balance) — TD’s older $100-threshold Convenience Checking is discontinued |
| Overdraft fee | $35 (max 3/day) |
| Overdraft protection | Free from linked savings |
| Customer service | 24/7 by phone, including holidays |
| Wire routing number | 031101266 (all states) |
| International SWIFT | NRTHUS33 |
All TD Bank Guides
What Makes TD Bank Different
TD Complete Checking’s $500 balance or direct-deposit waiver is easier to meet than Chase’s or Bank of America’s $1,500 balance threshold, though TD’s older Convenience Checking — which had a $100 waiver threshold — is now discontinued. Most branches also open on Sunday, making in-person deposits and fraud resolution accessible when other bank lobbies are closed. The TD Bank hours guide covers the full schedule. Customer service is available 24/7, so you can request a temporary ATM increase at midnight or report a lost card on a Sunday.
Checking Account
TD Bank’s current checking lineup is TD Essential Banking, TD Complete Checking, and TD Beyond Checking (TD’s older “Simple Checking” and “Convenience Checking” names are discontinued). The TD checking account guide covers all three tiers — including when it makes sense to upgrade to Beyond Checking, which reimburses non-TD ATM surcharges without a stated per-transaction cap as long as you maintain the $2,500 minimum daily balance, plus a higher daily withdrawal limit. TD is also advertising limited-time new-account bonuses (up to $300 for Beyond Checking, $200 for Complete Checking) that are scheduled to expire September 30, 2026 — see the checking account guide for current terms.
Savings, CDs, and Fees
TD Bank’s savings account rates are low compared to online banks. Its CD rates are more competitive on shorter terms. The fees page has the full schedule:
| Fee | Amount | How to avoid |
|---|---|---|
| Monthly fee (TD Essential Banking) | $4.95 | Free for ages 13-17; confirm other waivers at td.com |
| Monthly fee (TD Complete Checking) | $15 | $500+ direct deposits, $500 balance, $5,000 combined balance, or age 17-23 |
| Monthly fee (TD Beyond Checking) | $25 | $5,000+ direct deposits, $2,500 balance, or $25,000 combined balance |
| Overdraft | $35 (max 3/day) | Link savings for free transfers |
| Non-TD ATM | $3.00 | Use TD ATMs or upgrade to Beyond |
| Outgoing domestic wire | $30 | Use Zelle (free) |
ATM Limits and Routing Numbers
Standard accounts allow $750/day; Beyond Checking allows $1,000–$1,500/day. TD’s 24/7 phone line can process a temporary increase. Full details at the TD Bank ATM limit page.
TD Bank uses state-based ACH routing numbers and a single wire number. Common ones: 031201360 (NJ/DE), 026013673 (NYC), 211370545 (MA/RI), 067014822 (FL). All domestic wires use 031101266. Full state list at the routing number guide.
Other Key Topics
The minimum balance page explains every account tier’s waiver rules. The mobile deposit limit guide covers daily caps and the 8 PM ET cutoff. The transfer limits page covers Zelle, ACH, and wire caps. The TD Bank vs. Chase comparison is the best reference if you are choosing between the two on the East Coast. For the overall verdict, read the TD Bank review 2026.
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