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The TD Bank Beyond Checking account could prove to be a rewarding account to own as long as you have enough money to waive its monthly fee. It offers rare perks like overdraft fee reimbursements, a free outgoing wire per statement cycle, and waived fees on other TD Bank deposit accounts. Read our full TD Bank Beyond Checking account review to learn if it’s right for you.
TD Bank Beyond Checking
The TD Bank Beyond Checking account has a lot of great features on its own, including overdraft and ATM fee reimbursements. But those who plan to do all their banking in one place will get the greatest value from this account. Just make sure you can avoid the monthly maintenance fee.
We recommend comparing checking accounts to make sure you're getting the best fit for you. Here's a list of our favorite accounts.
Account | APY | Promotion | Next Steps |
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Open Account for Discover® Cashback Debit
On Discover Bank's Secure Website.
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
0%
Min. to earn: N/A
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Earn 1% cash back on up to $3,000 in debit card purchases each month (see details when you click 'Open Account')
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Open Account for Discover® Cashback Debit
On Discover Bank's Secure Website. |
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Open Account for Quontic High Interest Checking
On Quontic's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
up to 1.10%
Min. to earn: $1
|
High APY when you complete 10 or more qualifying debit card purchases each month
|
Open Account for Quontic High Interest Checking
On Quontic's Secure Website. |
No ATM fees with minimum balance: TD Bank never charges customers ATM fees, whether they use the bank's own network or another ATM network. It'll also reimburse you for out-of-network ATM fees -- but only if you keep at least $2,500 in your TD Bank Beyond Checking account.
Earns interest: TD Bank Beyond Checking account's interest rate isn't high. But it's better than many checking accounts that don't offer interest at all.
Two overdraft fee reimbursements per year: TD Bank automatically reimburses the first two overdraft fees in a calendar year. Beyond Checking customers don't have to do anything to get reimbursed as the bank takes care of this.
Waived fees on other deposit accounts: TD Bank Beyond Checking customers won't have to pay monthly maintenance fees on savings accounts or money market accounts they open with the bank. The same goes for a single linked TD Simple CheckingSM account.
One free outgoing wire transfer per statement cycle: Like most banks, TD Bank charges customers for outgoing wire transfers, whether they're domestic or international. However, TD Bank gives Beyond Checking customers one free outgoing wire transfer per statement cycle.
Free bank checks: Customers receive free standard checks or discounts on other selected check styles.
Zero liability protection on debit card purchases: If an identity thief uses your debit card to make fraudulent purchases, TD Bank won’t charge you anything for them -- even if it takes you several days to realize and report the issue.
Rate discounts on other products: With a TD Bank Beyond Checking account, you'll be eligible for discounts on home equity loans and personal loans.
Maintenance fee: The TD Bank Beyond Checking's maintenance fee is a little higher than most checking accounts. There are options to waive the fees, but they're also a little more challenging than with other banks.
To avoid the fee, you need to do one of the following:
If you can't routinely fulfill one of these requirements, you can find a more affordable checking account elsewhere.
Fees | Monthly Maintenance | ATM Withdrawal | Overdraft | Stop Payment | Insufficient Funds |
---|---|---|---|---|---|
TD Bank Beyond Checking | $25 | $0 | $35 per item, max three per day | $0 | $35 |
Here's a closer look at how to deposit and withdraw funds from your TD Bank Beyond Checking account.
You can deposit money into your TD Bank Beyond Checking account in any of these ways:
Here are your choices for withdrawing money from your TD Bank Beyond Checkingaccount:
The TD Bank Beyond Checking account is a great choice if you have average balances of a few thousand dollars and want to keep all your accounts with one bank. The account offers rare relationship benefits, including plenty of fee waivers. It could turn out to be an affordable option -- as long as you can avoid the monthly maintenance fee.
At The Motley Fool Ascent, we rate checking accounts on a five-star scale (1 = poor, 5 = best). We evaluate all checking accounts across four main criteria: brand and reputation, APY and rewards, fees and minimum requirements, and perks.
Our scores are weighted as:
Learn more about how The Motley Fool Ascent rates bank accounts.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.