TD Bank reviews checking accounts for 2024 with new features and options

TD Bank offers three main checking accounts: TD Essential, TD Complete, and TD Beyond. The TD Essential account is designed for younger customers, ages 13 to 17, with no monthly fees. The TD Complete account has a $15 fee that can be waived with qualifying direct deposits or balances, while the TD Beyond account charges $25 but offers more perks for higher balances. A new feature, TD Early Pay, allows customers to receive eligible direct deposits up to two business days early. TD Bank also provides various overdraft protection options, including a grace period for restoring account balances. All accounts require a deposit within 45 days to avoid closure. TD Bank has over 1,100 branches and 2,600 ATMs, primarily on the East Coast. While it offers no-fee checking options, customers may find better alternatives with online banks for lower fees and higher interest rates.