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

As of September 2026, TD Bank’s checking lineup is TD Essential Banking ($4.95/month), TD Complete Checking ($15/month), and TD Beyond Checking ($25/month). Overdraft fees are $35 per item (capped at 3 per day, $105 maximum; none on TD Essential Banking) — but no fee applies at all if the account is overdrawn by $50 or less, and TD’s Overdraft Grace feature refunds the fee for larger shortfalls if you restore your balance to positive by 11 PM ET the next business day. Out-of-network ATM fees are $3.00 per transaction.

Correction note: TD’s older “TD Simple Checking” ($5.99/month) and “TD Convenience Checking” ($15/month, waived with any direct deposit or $100 balance) product names are discontinued. The current lineup and waiver structure is different — see below. Confirm current product names and terms at td.com, as TD periodically updates its account lineup.

TD Bank’s competitive advantage remains geographic accessibility of hours: TD’s branches and ~2,700 ATMs are concentrated on the East Coast (Maine to Florida), with some locations open Sundays. Here’s the current 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 Complete Checking’s $500 balance-based waiver is lower than the $1,500 that Chase Total Checking and Wells Fargo Everyday Checking ask for. Its $500 direct-deposit threshold matches Chase’s and Wells Fargo’s.

TD Beyond Checking is the premium tier. TD’s fee schedule waives its official check, money order, incoming wire and stop payment fees on Beyond, reimburses one outgoing wire per statement cycle and up to 2 overdraft fees a calendar year ($70 maximum), and refunds non-TD ATM surcharges when the account keeps a $2,500 minimum daily balance.

Savings Account Fees

The easiest way to eliminate a TD savings fee is generally to link it to your TD checking account — confirm current linking/waiver terms at td.com.

TD Bank Overdraft Fees

TD Bank charges $35 per overdraft item with a cap of 3 fees per day ($105 maximum). TD Essential Banking has no overdraft fees: TD may decline or return transactions that would overdraw it.

Avoiding TD Bank Overdraft Fees

1. Stay within $50 — No fee applies if the account is overdrawn by $50 or less
2. Use Overdraft Grace — For larger shortfalls, restore your balance to positive by 11 PM ET the next business day to get the fee refunded
3. Link a TD savings account — Automatic transfers to cover shortfalls; confirm current transfer fee at td.com
4. Leave debit card overdraft coverage off — ATM and everyday debit card transactions that would overdraw decline instead (checks and ACH items can still be paid with a fee)
5. Set up balance alerts — Get notified before you go negative

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 waives the incoming wire fee and reimburses one outgoing wire per statement cycle. 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’s monthly fee is now in line with Chase’s (both $15 as of September 2026) and higher than Bank of America’s ($12), a change from when TD had a notably lower headline fee. TD’s balance-based waiver ($500) remains easier to meet than Chase’s or BofA’s ($1,500).

TD Bank’s Advantages

Is TD Bank Worth It?

TD Bank makes sense if you:

• Live on the East Coast (Maine to Florida)
• Value Sunday service at some stores
• Can meet TD Complete Checking’s $500 direct deposit or balance waiver
• Rarely use ATMs outside TD locations

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.