TD Beyond Checking
Rating
The TD Beyond Checking account delivers premium perks, including ATM fee reimbursements, early direct deposit access, free wire transfers, and a $300 welcome bonus when you receive $2,500 in direct deposits within 60 days, with the $25 monthly fee waived through $2,500 minimum daily balance, $5,000 monthly direct deposits, or $25,000 combined balance across TD accounts.
Pros
Comprehensive ATM fee coverage: TD ATM fees are waived regardless of balance, and non-TD ATM fees are reimbursed when maintaining a $2,500 minimum daily balance
Multiple ways to waive the $25 monthly maintenance fee: Can be waived with $5,000 in monthly direct deposits, $2,500 minimum daily balance, or $25,000 combined balance across eligible TD accounts
Overdraft fee reimbursements: Two overdraft fees per year are automatically reversed
Cons
High monthly maintenance fee: $25 monthly maintenance fee if waiver requirements are not met
Low interest rate: Earns only 0.01% Annual Percentage Yield (APY)
Limited branch accessibility: TD Bank branches are only available on the East Coast