"Relationship Checking" from TD Bank

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The Basics

Minimum Opening Deposit
 
 $0.01
This account can be opened with a deposit of any amount.
Monthly Maintenance Fee
 
 $25.00
The Monthly Service Fee of $25.00 can be waived by maintaining an combined average daily balance of $20,000 in deposits and loan balances.
Annual Percentage Yield (APY)
 
 0.05%
This is a interest-bearing checking account. The account earns 0.05% interest on all balances.

Debit Cards & Using ATMs

Visa Extras
 
 $0.00/yr
This account includes a 'Visa Extras' debit reward card so you can earn points towards items in the VISA Extras Rewards Catalog.
Debit Card $0.00/yr
ATM Fee Reimbursements
 
 Yes
Unlimited rebates when you maintain a minimum daily balance of $2,500.
Fees will be automatically rebated back to your account at the end of the statement cycle.
Non-affiliated ATM Usage Fee $0.00
International ATM Usage Fee $0.00

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
 Included with Online Banking
This Email Alert feature enables you to receive Warnings when your balance falls below a certain threshold.
Activity Download
 
 Included with Online Banking
You can download transaction history using Quicken, Quickbooks, and MS Money.
Online Bill Pay Free
Mobile & Text Banking
 
 Free
This institution supports a mobile-browser website that allows you to:
- View account balances
- View recent account activity
- Transfer funds between your accounts
- Receive alerts
- Pay bills
- Find the nearest TDBank location or ATM
Automated Phone Banking Free
Direct Connect for Quicken
 
 Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money.

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks
 
 Yes
Free standard checks or 50% off any other style for the life of the account.
Monthly Paper Statements Yes
Check Images with Statements Included
Online Statements Yes
Online Check Images
 
 Yes
You can view images of canceled checks online for the previous 18 months.

Overdrawing the Account

Negative Balance Fee
 
 Yes
There is a $20.00 fee for a negative balance after 10 calendar days with less than a $0.00 balance.
Returned Item Fee
 
 $35.00/per item
The Insufficient Funds Fee is $35 per overdraft.
Overdraft Protection
 
 Available
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account or a line of credit:
- No transfer fee or annual fee.
- Funds are transferred to bring the checking account's balance to $0.00.

Savings and Money Market Accounts

Choice Money Market
 
 $12.00/month
'Choice Money Market' requires $0.00 to open, 1 cent or more to earn interest.
Current APY Information:
- 0.05 % at minimum balance to earn interest;
- 0.05 % at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $12.00 ($11.00 when you receive online statements only). This fee can be waived if you:
- Maintain a minimum balance of $1,000.00;
- Being 62 or older.
Convenience Savings
 
 $4.00/month
'Convenience Savings' requires $0.00 to open, 1 cent or more to earn interest.
Current APY Information:
- 0.05% on all balances.
The account has a monthly service fee of $4.00 ($3.00 when you receive online statements only). This fee can be waived if you:
- Maintain a minimum balance of $250.00;
- Being 62 or older.
High-Yield Savings
 
 $15.00/month
'High-Yield Savings' requires $0.00 to open, 1 cent or more to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.30% at $25,000.00

(Note: These rates are earned by checking account holders. If you do not have a checking account, this account earns a lower interest rate.)
The account has a monthly service fee of $15.00 ($14.00 when you receive online statements only). This fee can be waived if you:
- Maintain a minimum balance of $10,000.00;
- Being 62 or older.

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