TD Complete Checking Account 2024 Review

TD Complete Checking is a checking account for everyone, with some extra perks for students and young adults. There's no minimum opening deposit requirement and while there is a monthly fee, TD Bank offers multiple ways to waive it. 

TD Complete Checking is a traditional banking option with the features you'd typically expect from a checking account. The account includes access to paper checks and a debit card, as well as online and mobile banking. 

You might consider opening this checking account if you:

• Prefer traditional banks to online banks
• Are between the ages 17 and 23, or over age 60
• Need to write paper checks regularly or occasionally
• Are also interested in opening a savings account with TD Bank 

There's no opening deposit requirement, though there are certain requirements you'll need to meet to waive the monthly fee.

Compared to Other Checking Accounts

Chime Checking

Chime offers an online spending account that has no minimum deposit requirements and no monthly maintenance fees. Eligible account holders can take advantage of Chime's SpotMe feature, which offers up to $200 in fee-free overdraft protection. You can withdraw cash fee-free at thousands of ATMs and deposit cash at Walgreens and Duane Reade locations. 

Read our full editorial review of the Chime Spending account

SoFi Checking and Savings

SoFi combines checking and savings into a single, convenient account that pays interest and allows you to earn rewards on eligible debit card purchases. There are no monthly fees or overdraft fees and no minimum deposit requirements. You can get paid up to two days early with direct deposit and enjoy up to $2 million in FDIC insurance coverage. 

Read our full editorial review of the SoFi Checking and Savings account

Chase Total Checking

Chase Total Checking is another traditional checking account that's designed for everyone. Similar to the TD Complete Checking account, there's a monthly maintenance fee but you have several opportunities to waive it. You can access your money at Chase branches and ATMs, and you'll always stay connected to your account through online and mobile banking. 

Read our full editorial review of the Chase Total Checking account

Wells Fargo Clear Access Banking Account

Wells Fargo Clear Access Banking simplifies money management with no overdraft fees and convenient online banking access. This checkless checking account offers a debit card for withdrawals and purchases, with no minimum balance requirements. There's a low monthly maintenance fee, which can be waived. 

Read our full editorial review of the Wells Fargo Clear Access Banking account

Interest and Rewards

Some checking accounts allow you to earn interest on balances or rewards when you spend with your debit card. TD Complete Checking doesn't offer either. 

Whether that makes a difference when choosing a checking account depends on your needs and goals. 

If you'd like to earn back a percentage of what you spend, then a rewards checking account could make sense. And earning a little interest on your money doesn't hurt either. 

Keep in mind, however, that the more premium benefits you get from a checking account, the higher the fees might be. 

Fees

Brick-and-mortar banks commonly charge fees. After all, that's how they make money. Online banks, by comparison, tend to be more fee-friendly. 

What will you pay for TD Complete Checking? Here's how the fees add up.

Other Service Fees - TD Complete Checking Account

The $15 monthly fee is waived if you:

• Have $500 in qualifying direct deposits each statement cycle
• Maintain a minimum daily balance of $500 or more
• Maintain a minimum daily balance of $5,000 or more across all linked TD Bank deposit accounts

The fee is also waived when the primary account owner is between the ages of 17 and 23. The paper statement fee is waived for account owners aged 60 and older. 

Linking a personal TD Bank savings account may be the easiest way to avoid the fee. You may want to compare the APY to online savings accounts if you're interested in finding the best rates. 

Branch and ATM Access

TD Bank has over 1,100 branches and more than 2,600 ATMs in the U.S, spread across more than a dozen states. There are 3,000 ATMs in Canada as well. 

You can withdraw funds from any TD Bank ATM fee-free. There's a $3 surcharge if you use another bank's ATM; TD Complete Checking does not include foreign ATM fee reimbursements. 

The standard daily ATM withdrawal limit is $1,250. In addition to withdrawing cash, you can also use TD Bank ATMs to:

• Transfer funds between accounts
• Deposit cash
• Pay bills
• Deposit checks
• Check balances

Account Access

If you need to make deposits you can do so at TD Bank ATMs or branches. You can also use the remote deposit capture feature in the TD Bank mobile app. 

TD Bank can limit the amount you can deposit daily and monthly. You should also be aware of TD Bank's funds availability policy and how soon you can withdraw money you deposit. 

Online and mobile banking make it easy to pay bills or transfer funds between TD Bank accounts. You can also send or receive money using these methods:

• ACH transfer
• Wire transfer
• Zelle

You'll need to log in to TD Bank mobile banking to view your Zelle transfer limits. There's no fee to use Zelle to send or receive money to or from your TD Complete Checking account. 

FDIC Insurance

FDIC insurance is designed to protect deposits should a bank fail. It doesn't happen often but when it does, the FDIC steps in to make sure consumers can get at least some of their money back. 

TD Bank is an FDIC-insured bank. Your deposit accounts are covered up to $250,000. So you have some reassurance if you're worried about a worst-case scenario. 

What You Need to Open

You have three options for opening a TD Complete Checking account:

• Apply online
• Visit a branch
• Get help by phone

Online account opening can save time, since you don't need to visit a branch or wait on hold. You can get your account open with just a few clicks of a button. 

Here's what you'll need: 

• Name and address
• Date of birth 
• Social Security number
• Valid, government-issued ID
• Bank account information (to link for your first deposit)
• A mobile phone, for verification

If you're 17 you'll need a parent or guardian's help to open a joint account. You can substitute a birth certificate as proof of age and identity when opening TD Complete Checking on behalf of a minor. 

Frequently Asked Questions

Is TD Bank Complete Checking a teen checking account?

TD Bank Complete Checking is not marketed as a teen-only checking account, but teens can open this account. They'll need the help of a parent or legal guardian. TD Bank waives the monthly maintenance fee for this account when the primary account owner is aged 17 to 23. 

Is TD Bank Complete Checking a checkless checking account?

Checkless checking accounts don't offer paper checks. In most cases, that's because they're designed to help you avoid overdraft. TD Bank Complete Checking does give you access to paper checks. Standard checks are free for account owners aged 60 or older; otherwise, you'll pay a fee to order them. 

How does a checkless checking account work?

Checkless checking accounts don't offer paper checks. Instead, you can use your debit card to spend or withdraw cash, or pay bills online. A checkless checking account might appeal to you if you don't write paper checks that often or want a simple way to manage your money online.