No minimum balance. Pure
and simple.
If you have a less-than-perfect banking history (which includes problems with ChexSystems or being denied a checking account at other banks), you may be eligible to open a Fresh Start Checking account at Neighborhood Credit Union to get a second chance at fixing your banking history. Direct deposit requirements are one of the biggest obstacles when signing up for bank bonus. For checking accounts, you might even need a certain minimum balance or direct deposit to waive the monthly fee. And now, a few banks and credit unions are offering generous promotions with no direct deposit required.
Low monthly maintenance fee
just $5.99 with no minimum balance
On-the-go banking
with every TD Bank checking account
Banking simplified
- No minimum balance
- Low, predictable monthly maintenance fee of just $5.99
Legendary convenience
- Free access at thousands of TD ATMs in the U.S. and Canada
- TD Bank Visa® Debit Card available on-the-spot
- Open early. Open late. Most locations open 7 days
Save money
- Discount on your first order of checks
- Rate discounts on TD Bank home loans – .25% off home equity line of credit1
On-the-go banking
- Free Mobile Banking with Mobile Deposit2
- Online Banking and free Bill Pay with e-bills
- Free online statements with check images
- Live Customer Service 24/7
Checkouts just got easier.
Pay with your TD Bank Debit Card
On-the-go banking
with every TD Bank checking account
Banking simplified
- No minimum balance
- Low, predictable monthly maintenance fee of just $5.99
Legendary convenience
- Free access at thousands of TD ATMs in the U.S. and Canada
- TD Bank Visa® Debit Card available on-the-spot
- Open early. Open late. Most locations open 7 days
Save money
- Discount on your first order of checks
- Rate discounts on TD Bank home loans – .25% off home equity line of credit1
On-the-go banking
- Free Mobile Banking with Mobile Deposit2
- Online Banking and free Bill Pay with e-bills
- Free online statements with check images
- Live Customer Service 24/7
Checkouts just got easier.
Pay with your TD Bank Debit Card
- In person
- Online or over the phone
- In apps or app stores
- Using your digital wallet
Open an account
Apply online
The online application takes 7minutes or less.
Call us
Our banking specialists can help you over the phone.1-888-751-9000Apply in person
Visit a TD Bank to open your account.
1Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying personal checking account.
2TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
Compare | TD Simple CheckingSM | TD Convenience CheckingSM | TD Premier CheckingSM | TD Relationship CheckingSM | TD 60 Plus CheckingSM | TD Student CheckingSM |
|---|---|---|---|---|---|---|
| Monthly maintenance fee | $5.99 | $0 with a minimum daily balance of $100 —OR— $15 | $0 with a minimum daily balance of $2,500 —OR— $25 | $0 with a $20,000 minimum combined deposit, outstanding loan and/or mortgage balance (excludes credit card) —OR— $25 | $0 with a minimum daily balance of $250 —OR— $10 | $0 |
| Earns interest | No | No | Yes, tiered interest rates | Yes | Yes | No |
| Checks | 1st order discounted on select styles | 1st order discounted on select styles | 1st order of standard checks free or discount on select styles | On all orders, free standard checks or discounts on select styles | On all orders, free standard checks or discounts on select styles | 1st order discounted on select styles |
| Online statements | Free | Free | Free | Free | Free | Free |
| Paper statements | Monthly fee (Paper statements are optional for Online Banking customers) | Monthly fee (Paper statements are optional for Online Banking customers) | Free including check images | Free including check images | Free | Monthly fee (Paper statements are optional for Online Banking customers) |
| ATM fees | Free at TD ATMs | Free at TD ATMs | TD Bank will never charge you a fee at TD or non-TD ATMs Other banks' ATM fees reimbursed with a minimum daily balance of $2,5001 | TD Bank will never charge you a fee at TD or non-TD ATMs Other banks' ATM fees reimbursed with a minimum daily balance of $2,5001 | Free at TD ATMs | Free at TD ATMs |
| Overdraft protection | Available | Available | Available | Transfer fees waived | Available | Transfer fees waived |
| Free with this account | Money orders Official bank checks Stop payments Incoming wire transfers | Money orders Official bank checks Stop payments Incoming wire transfers No monthly maintenance fee on savings accounts and one additional checking account | Money orders Official bank checks | No monthly maintenance fee on one TD Simple SavingsSM account when linked to a TD Student Checking account |
Free Mobile Banking with Mobile Deposit3
Online Banking and free Bill Pay with e-bills
TD Bank Debit Card available on-the-spot
Live Customer Service 24/7
Free access at thousands of TD ATMs in the U.S. and Canada
Flexible ways to Send Money via text or e-mail and make internal and external transfers3
Free online statements with check images
Rate discounts on TD Bank home loans - .25% off home equity line of credit4
Choice of overdraft services available
Open early. Open late. Most locations open 7 days
Alternate format statements available, learn more about TD Bank accessibility options.
Checkouts just got easier.
Pay with your TD Bank Debit Card
- In person
- Online or over the phone
- In apps or app stores
- Using your digital wallet
Open an account
Apply online
The online application takes 7minutes or less.
Call us
Our banking specialists canhelp you over the phone.1-888-751-9000
Apply in person
Visit a TD Bank to open your account.
1Non-TD fees reimbursed when minimum daily balance is at least $2,500 in checking account. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
2TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
3Send Money is available for most personal checking and money market accounts. External transfer services are available for most personal checking, money market and savings accounts. To use either of these services you must have an Online Banking profile with a U.S. address, a unique U.S. phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To perform instant transfers a TD Bank Visa® Debit Card is required. Fees may apply depending on delivery options.
4Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying personal checking account.
©2019 Visa U.S.A. Inc.
(in 7 minutes or less)
You might also be interested in:
- TD Debit Card AdvanceSM: a discretionary overdraft service
(Important Information about TD Debit Card Advance)
Please turn on JavaScript in your browser
It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.
Special offer for you
New Chase checking customers: Click 'Redeem offer' to get $100 when you open a new Chase Secure Banking℠ account with qualifying activities.
- Overview
- Benefits
- Open account
Chase Secure Banking℠
Secure Banking customers told us they save an average of $50 a month on fees after opening their account. Pay bills, cash checks, and send money – all for a low $4.95 monthly service fee.
Account subject to approval. See account details (PDF).
Account details
No fees on most everyday transactions
- No overdraft fees –we help you spend only what you have.
- No fees to cash checks.
- No fees to pay bills with
Chase Online℠ Bill Pay. - No fees to send money using Chase QuickPay® with Zelle®.
- No fees on money orders or cashier's checks.
- No fees at Chase ATMs. You may be charged to use non-Chase ATMs.
Stay in control of your money
- No paper checks to track.
- Set up alerts to monitor your balance, deposits, and more.
- Securely lock and unlock your debit card if you misplace it.
- Get reimbursed for unauthorized card transactions when reported promptly with Zero Liability Protection.
- Schedule an in-person or virtual meeting with us to discuss your financial goals.
Bank from virtually anywhere
- Access cash from nearly 16,000 ATMs.
- Get support from our bankers at more than 4,700 branches. Find one near you.
- Check your balance, pay bills, deposit checks with Chase Online℠ and the Chase Mobile® app.
Additional benefits from Chase
- Access your free credit score and get alerts to help you identify fraud with Chase Credit Journey.
- Get access to Chase First Banking, an account to help parents teach teens and kids about money. Learn more.
- Add deals from merchants you love and earn statement credit with Chase Offers.
Certified low-cost account
Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.
Get started with Chase Secure Banking
No minimum deposit to open.
Still need help choosing the best checking account for you?
Learn more about other Chase checking accounts
- OR -
Banks With Free Checking Accounts With No Deposit Fee
Contact any of our branches to schedule a meeting to speak with a banker for guidance
Checking Accounts With No Deposit
Find a Chase ATM or branch near you
