The rate starts at 0.10% APY and increases each year, up to 0.25% in year five. The TD Step Rate CD is available for a three-year or five-year term. You can also get a TD No-Catch CD, which pays the same APY, but with one no-penalty withdrawal per term. The interest rate is 0.05% APY, regardless of term or relationship. TD Bank offers TD Choice Promotional CDs with terms ranging from three months to five years. The $12 monthly maintenance fee can be waived if you keep a $2,000 minimum daily balance in your money market account, or if you are 62 years old or older. The standard interest rate for this account is 0.01% APY, but the bump rate increases as your balance increases. When you open a TD Growth Money Market account, you can get a bump rate if you make a recurring transfer from your linked TD Bank Checking account of at least $50 per month.

GOBankingRates named TD Bank’s TD Growth Money Market one of the Best Money Market Accounts, and it ranks as one of the top overall banks in 2023. It has a low APY but it is applied to any balance. Simple Savings: To waive the $5 monthly maintenance fee, keep a minimum daily balance of $300 in the account, or link to a TD Beyond Checking account.You can waive the $15 monthly maintenance fee by keeping a minimum daily balance of $20,000 or linking your Beyond Savings account to a TD Beyond Checking account. If you link your Beyond Savings account to another TD Bank account, you’ll get a ‘bump’ rate based on your balance. Beyond Savings: Pays 0.05% APY when you maintain a $250,000 minimum daily balance.TD Bank offers two savings accounts: Beyond Savings and Simple Savings. You also get access to the TD Bank mobile app, and you can send and receive money with Zelle. TD Bank checking accounts offer instant debit card issues, and curbside replacement of your card if it’s lost, stolen or damaged. New customers can earn $300 by opening a TD Beyond Checking account or $150 by opening a TD Convenience Checking account, with qualifying direct deposits. There are no overdraft services, so you can’t spend more than what’s in the account, making it a great choice for a first checking account. There is no minimum balance requirement, and the monthly maintenance fee of $4.95 is waived for those aged 13 to 17, who can open an account with a secondary owner. TD Essential Banking: A “checkless” account that provides debit card access and online bill pay.It’s a no-frills account that offers access to the mobile app and a discount on your first order of checks. TD Simple Checking: No minimum balance and a $5.99 monthly maintenance fee.Fees will also be reimbursed for rush bill payments, outgoing wire transfers and two overdrafts per year. Beyond Checking: Account earns 0.01% APY interest and will reimburse other bank’s ATM fees if your minimum daily balance is $2,500 or more.Convenience Checking: Avoid the $15 monthly fee by maintaining a $100 minimum daily balance, although this requirement is waived for students and those between 17 and 23 years old.If you don’t meet one of these criteria, the fee is $25. TD Beyond Checking: No annual fee when you have direct deposits of $5,000 or more per statement cycle, or maintain a $2,500 minimum balance, or have a $25,000 combined balance across eligible accounts.

TD Bank offers several different checking account options. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.Check out TD Bank’s account options and what they offer customers. compares a wide range of products, providers and services but we don't provide information on all available products, providers or services.

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