How much can i deposit at td bank atm

Four Main Checking Accounts: TD Simple Checking, TD Convenience Checking, TD Premier Checking and TD Ameritrade

TD Simple Checking is the most basic checking account offered at TD Bank which doesn’t impose a required minimum daily balance. However, there is a monthly maintenance fee of $5.99 which cannot be waived. In addition to the monthly maintenance fee, there is an ATM fee of $3 charged to account holders who use non-TD Bank ATMs (plus any fees charged by the other bank).

TD Convenience Checking is the next up from TD Simple Checking. A $150 bonus is offered to eligible new personal checking customers of TD Bank. While there is a monthly maintenance fee of $15, it can be waived if the account holder maintains the daily minimum balance of $100. Similar to TD Simple Checking, account holders are charged $3.00 for using non-TD Bank ATMs (plus any fees charged by the other bank).

The third tier is the TD Premier Checking from which account holders can enjoy extra perks which include a $300 bonus offered to eligible new personal checking customers of TD Bank, a standard APY interest rate of 0.05% earned on accounts with a minimum balance of $2,500, zero ATM fees even if account holders who use non-TD Bank ATMs, and free bank products and services such as a free first order of standard checks, free money orders, free bank checks, stop payments, and more. The $25 monthly maintenance is waived for account holders who maintain a daily minimum balance of $2,500.

The final option is a TD Bank's investment account called TD Ameritrade that has checking features. This option is free of charge and earns interest. More about it at the bottom of the article.

Account Features

Send Money with Zelle: Zelle has become one of the most popular ways to send and receive money in minutes. If receiving money from an outside bank that doesn’t participate in Zelle, then the money is usually received by next business day.

Mobile Deposit: TD bank offers a free mobile deposit to all account holders and an option to view their mobile deposit history. Like most banks, TD Bank places the following limits to mobile deposit:

• Maximum Check Amount: $5,000
• Daily Deposit Maximum: $5,000
• 30-Day Maximum Deposit: $10,000

Online Banking: One of TD Bank’s most popular features is its comprehensive and user-friendly online banking. Account holders can use the online banking to manage all of their TD bank accounts, including mobile banking and deposit, Bill Pay, Send Money with Zelle, transfers, view statements and notices, and setup personalized, email banking alerts.

TD Bank Checking/Investing Promotion

TD Bank Fees

• Overdraft fee: $35 per transaction
• Overdraft return fee: $35 per transaction
• Overdraft protection transfer fee: $10 (for each day TD Bank transfers available funds from an overdraft protection source such as a savings account)
• Incoming wires (free for TD Premier Checking customers): $15 (domestic and international)
• Outgoing wires: $25 (domestic), $40 (international, plus exchange rate, taxes and correspondent fees)
• Money orders (free for TD Premier Checking customers): $5
• Official bank checks (free for TD Premier Checking customers): $8
• Monthly paper statement fee (free for TD Premier Checking customers): $1
• Check and ACH Stop Payment Fee (free for TD Premier Checking customers): $30 (per item)
• Foreign bank drafts, purchased: $25
• Foreign currency bank notes: $7.50 (orders of $250 and above), $17.50 (orders less than $7.50)

TD Checking Pros

• No minimum opening deposit or daily balance required
• Prominent presence along the east coast with nearly 1,300 locations
• Waived monthly fees for TD Convenience Checking and TD Premier Checking
• Accessible customer service 24/7
• Convenient local branch hours (between 8:00 AM and 6:30 PM in most locations) which are open every day of the year except for the major holidays
• 24/7 Mobile banking app with Bill Pay
• Free Visa debit card
• User-friendly online banking which makes it easy to manage multiple TD bank products: deposit accounts, credit accounts and investments accounts
• Use TD Wallet on your smart phone where smart payments are accepted. TD Wallet is compatible with Apple Pay, Samsung Pay, Google Play, Microsoft Wallet, and Visa Checkout

TD Checking Cons

• Weak 0.05% interest rate earned by TD Premier Checking. Consumers interested in interest checking can find banks that offer higher rates - Open a CIT Savings Connect account and get a 3.85% rate.
• High monthly maintenance fees if you are unable to maintain the daily minimum balance for TD Convenience Checking and TD Premier Checking. TD bank will not waive fees if using direct deposit
• Few physical branch locations in the West Coast, making in-person banking difficult
• Debits transactions are always posted first, even if deposits were made first. This can cause confusion at times, leading to overdraft fees

TD Ameritrade: Investment Account + Checking Account

Unlike checking accounts described above, there are no monthly or annual fees to pay or minimum balances to maintain. TD Ameritrade account is completely free.

Even better than free checks and a debit card is TD Ameritrade’s generous policy to reimburse all ATM fees incurred while using its card anywhere in the U.S.

Free cash balances at TD Ameritrade are swept into FDIC-insured bank accounts that pay interest. The current APY varies between 0.05% and 0.45%, depending on the account’s balance.

TD Bank Checking Accounts Review Conclusion

If travelling outside of the United States, TD Bank does not charge fees for foreign debit card transactions or for account holders who visit Canada and use TD Canada Trust ATMs.

Is there a deposit limit for TD Bank ATM?

Can you deposit $4 000 ATM?