TD Bank

Overview / Commentary

www.td.com

302-351-4560

2035 Limestone Road
Wilmington, DE 19808

TD Bank is headquartered in Wilmington and is the 2^nd largest bank in the state of Delaware. It is also the 8^th largest bank in the nation. It was established in 1852 and as of December of 2020, it had grown to 25,356 employees at 1,231 locations. TD Bank has an A+ health rating.

TD Bank Offers $200 Savings and $300 Checking Bonuses In 16 States - 2/4/2021

Now through 3/31/2021, TD Bank is offering a $200 savings account bonus and a $300 checking account bonus. Available in 16 East Coast states.

$200 For $20,000 For 90 Days - 2/2/2021

Earn $200 with a new TD savings account. Open a savings account, deposit at least $20,000 and you're ready to earn. Open a new TD personal savings account, deposit at least $20,000 in new money in the first 20 days and keep at least a $20,000 balance for 90 days to earn $200 Offer ends March 31, 2021. https://www.td.com/us/en/personal-banking/savings-accounts/featured/ Looks like deposit bonuses are back!

The Usual(?) Upto $500 For New Customer Checking/Saving - 9/10/2020

https://checkingbonus.tdbank.com/Digital500A.html " Offer valid July 24, 2020 through September 18, 2020 and is available only when opening through a qualifying website. Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. $300 bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of $2,500 or more into the new checking account within 60 days of account opening. $150 bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of $500 or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits (such as Social Security), or other eligible regular monthly income fr

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2020
2019
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2/4 - TD Bank Offers $200 Savings and $300 Checking Bonuses In 16 States
2/2 - $200 For $20,000 For 90 Days

9/10 - The Usual(?) Upto $500 For New Customer Checking/Saving

1/18 - 2.50% Savings Account 20K Minimum, By Invitation

4/6/17 - TD Bank Offers Online $150 and $300 Checking Bonuses
2/8/17 - TD Bank Has $50/$150/$300 Checking Bonuses and $100 Savings Bonus
11/28/16 - TD Bank Has Online $150/$300 Checking Bonuses
8/10/16 - TD Bank Checking Account Bonus Of Up To $300
10/23/15 - $150 Visa Gift Card When Opening New Checking/Savings Accounts NYC
10/13/15 - TD Bank Offers $150 Visa Gift Card At 3 New York Branches
7/7/15 - Free Android Phone With Checking Account
4/29/15 - $150 For $2,500 at new NYC Branch: 56th & Madison
2/16/14 - Need Help Urgently With POD Documentation Wrongly Removed By TD Employee!
7/17/13 - Likely Cause Of TD Bank Outage: Merger Hangover
10/31/12 - $100 Checking Account Bonus At New TD Bank Branch In Cranston RI
10/13/12 - TD Bank Personal Customer Data Goes Missing
5/30/12 - How Does Eliminating Services 'Better Serve' Me?
5/14/12 - New Branch Specials At TD Bank In MA & RI
2/10/12 - TD Ameritrade Online Cash Services Account & Bonus Review
11/3/11 - New And Higher Fees At TD Bank
8/16/11 - How Canada's TD Bank Is Invading U.S. Market
2/19/11 - New ATM Fees for TD Bank Checking Accounts - Tips to Avoid ATM Fees
4/25/10 - Free Flip Ultra Camcorder - TD Bank Checking Account Promotion
11/12/09 - TD Bank's Elite Savings Account Promotion
9/24/09 - $100 TD AMERITRADE Deposit Account Bonus
8/23/09 - 2.25% 12-Month & 2.58% 24-Month CD at Riverside National Bank in East FL - Local Only
5/25/09 - 2.65% 12-Month CD & 2.35% 9-Month CD at Riverside National Bank in East FL - Local Only
3/14/09 - 3.00% 3-Month CD at TD Ameritrade - Nationally Available
1/13/09 - $100 TD AMERITRADE Money Market Account Bonus
9/8/08 - iPod Checking Account Bonus at TD Banknorth in the Northeast
7/2/08 - 5.00% 60-Month CD at TD Commerce Bank
6/7/08 - 4.00% 24-Month CD at a Florida Bank (Riverside).
3/12/08 - $100 TD AMERITRADE Account Bonus
1/26/08 - 5.30% 3-Month Brokered CD at TD Ameritrade
3/23/07 - 5.40% 3-Month Brokered CD at TD Ameritrade
2/13/06 - Checking Account Bonus - Two Sporting Event Tickets

Reviews (84)

TD Bank Check

Posted by: Richard138 | Dec 22, 2019

I was told my account with TD bank was closed and I will receive balance of my check I received a mail from post man but the check was not there it was an advert has anyone experienced this before and how many days before the check is supposed to get too me who’s familiar please help or tell me what to do

Comment

TD Bank Is Great In Terms Of Service

Posted by: jliang201403 | Oct 12, 2019

I have been a member of TD bank for about 2 or 3 years now and I have experienced a constant issue of my Debit Card not working on online purchases. This issue has been constant and I had to get a new card twice and neither of those reissued cards has worked. It has been a constant frustration and i've been very patient. So it is here that I depart from TD Bank not with malice towards the employees but rather the frustration of a non-functioning card

Comment

TD Bank - The Bank Of FEES

Posted by: Jul | Apr 22, 2011

When I first opened my account I was told it was a free checking account. I quickly learned that it is "free" unless your balance is under $100 during any point in your statement cycle. I've incurred this $15 fee a few times because I use my TD bank account as an extra account. I have automatic deposit set up which always covers in the event that my balance is under $100 but that does not matter at this institution. Even if your ending balance is over $100, you will get a $15 fee for going under during statement cycle. I also have a shared account with a family member which has a nice balance. When I called to speak with customer service I was told I could change my checking account to one that will only charge $3.99/mo. Are you out of your mind? I will not give 4% of my account to anyone, I'd rather take this account to PNC with my other accounts. I really felt this need to write this review for people who live paycheck to paycheck and would be greatly affected by the $15 fee. My suggestion is to go to your nearest PNC bank and open an account with them. I've had PNC for 4 years and I have never had any issues.

Impossible To Become A Customer!

Posted by: RetiredAnalyst | Mar 10, 2021

A day after opening an account with TD Bank online, I tried to transfer funds to them, but couldn't login. After several calls to their Customer Service line, and after some wrong info ("Just wait another day."), I learned their Fraud Department had blocked my new account, which had nothing in it yet. Why? They said I hadn't gone to a TD branch in person to show government-issued ID, which they require. After a 70+ mile round-trip to show them ID, and in-person assurances that all was now well, I learned that my new TD account had been deleted. This fiasco took place over ten days, required 9 phone calls (each with hold time), and resulted in my decision to never use TD Bank!

Comment

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Health

A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	18409
Year Established	1852
Employees	25356
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	3.17%
Annual Interest Income	$7.68B

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$401.5B$320.5B
Loans	Q4 2020vs Q4 2019	$160.2B$151.5B
Deposits	Q4 2020vs Q4 2019	$351.7B$273.6B
Equity Capital	Q4 2020vs Q4 2019	$43.80B$40.20B
Loan Loss Allowance	Q4 2020vs Q4 2019	$2.69B$1.47B
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$1.19B$1.20B
Real Estate Owned	Q4 2020vs Q4 2019	$37.9MM$50.2MM

Rates

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Always verify rates and promotions with the bank or credit union. We are not TD Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

TD Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*^†	$250k^*	-	TD Beyond Savings w/ Rate Bump
OTHER TIERS: 0.01% → Up to $20k \| 0.03% → $20k - $50k \| 0.05% → $50k - $100k \| 0.10% → $100k - $250k
0.15%^*^†	$250k^*	-	TD Beyond Savings IRA w/ Rate Bump
OTHER TIERS: 0.01% → Up to $20k \| 0.03% → $20k - $50k \| 0.10% → $50k - $250k
0.02%^†	-	-	Simple Savings
0.02%^†	-	-	Simple Savings IRA
0.01%^†	-	-	TD Beyond Savings w/ Standard Rate
0.01%^†	-	-	TD Beyond Savings IRA w/ Standard Rate

TD Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*^†	$25k^*	-	Growth Money Market w/ Rate Bump
OTHER TIERS: 0.01% → Up to $2k \| 0.05% → $2k - $25k
0.05%^*^†	$25k^*	-	Growth Money Market w/ Standard Rate
OTHER TIERS: 0.01% → Up to $2k \| 0.03% → $2k - $25k

TD Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.03%^†	-	-	TD 60 Plus Checking
0.03%^*^†	$50k^*	-	TD Beyond Checking
OTHER TIERS: 0.01% → Up to $10k \| 0.02% → $10k - $50k
0.00%^†	-	-	TD Convenience Checking

TD Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^†	$250	-	5 Year TD Step Rate CD
0.10%^†	$250	-	3 Year TD Step Rate CD
0.10%^*^†	$10k^*	-	3 Month TD Choice Promotional CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.10%^*^†	$10k^*	-	12 Month TD Choice Promotional CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.10%^*^†	$10k^*	-	6 Month TD Choice Promotional CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.05%^†	$250	-	6 Month TD No Catch CD
0.05%^†	$250	-	12 Month TD No Catch CD
0.05%^†	$250	-	3 Year TD Choice Promotional CD w/ Rate Bump
0.05%^†	$250	-	5 Year TD Choice Promotional CD w/ Rate Bump
0.05%^†	$250	-	3 Month TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	3 Year TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	5 Year TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	9 Month TD Choice Promotional CD w/ Rate Bump
0.05%^†	$250	-	18 Month TD Choice Promotional CD w/ Rate Bump
0.05%^†	$250	-	24 Month TD Choice Promotional CD w/ Rate Bump
0.05%^†	$250	-	9 Month TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	12 Month TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	18 Month TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	24 Month TD Choice Promotional CD w/ Standard Rate
0.05%^†	$250	-	6 Month TD Choice Promotional CD w/ Standard Rate

TD Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^†	$250	-	5 Year Step Rate IRA
0.10%^†	$250	-	3 Year Step Rate IRA
0.10%^*^†	$10k^*	-	3 Month TD Choice Promotional IRA CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.10%^*^†	$10k^*	-	6 Month TD Choice Promotional IRA CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.10%^*^†	$10k^*	-	12 Month TD Choice Promotional IRA CD w/ Rate Bump
OTHER TIERS: 0.05% → $250 - $10k
0.05%^†	$250	-	12 Month IRA Add-Vantage CD
0.05%^†	$250	-	9 Month TD Choice Promotional IRA CD w/ Rate Bump
0.05%^†	$250	-	18 Month TD Choice Promotional IRA CD w/ Rate Bump
0.05%^†	$250	-	24 Month TD Choice Promotional IRA CD w/ Rate Bump
0.05%^†	$250	-	3 Year TD Choice Promotional IRA CD w/ Rate Bump
0.05%^†	$250	-	5 Year TD Choice Promotional IRA CD w/ Rate Bump
0.05%^†	$250	-	3 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	6 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	9 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	12 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	18 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	24 Month TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	3 Year TD Choice Promotional IRA CD w/ Standard Rate
0.05%^†	$250	-	5 Year TD Choice Promotional IRA CD w/ Standard Rate