TD Bank Fees 2026: Complete Fee Schedule for Checking & Savings

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

TD Bank Monthly Maintenance Fees

Checking Account Fees

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

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.

Avoiding TD Bank Overdraft Fees

1. Link a TD savings account — Free automatic transfers instead of $35 fee
2. Opt out of overdraft coverage — Transactions decline instead
3. Set up balance alerts — Get notified before you go negative
4. Use TD Beyond Checking — Same $35 fee, but free ATM access eases daily cost burden

Worked Example: Cost of Getting It Right

Keeping $100 and linking savings for overdraft protection are the two highest-leverage actions for minimizing TD Bank costs.

TD Bank ATM Fees

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.

ATM Fee Reimbursement by Account

TD Bank Wire Transfer Fees

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

Other TD Bank Fees

Account Service Fees

Debit Card Fees

Miscellaneous

TD Bank Fees vs. Competitors

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

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)
• Want no monthly fees at all (Capital One, Ally)

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.