TD Bank review 2025: A full-service bank with round-the-clock customer service.
TD Bank
TD Bank
| Checking accounts | $0 minimum to open an account |
| Savings accounts | Up to 3.00% APY |
| CD rates | Up to 3.70% APY |
Savings accounts
TD Bank offers two savings accounts, both with monthly fees that can be waived with qualifying activities. The interest rates earned on these accounts are largely unimpressive—but the Signature Savings account does offer up to 3.00% APY for relationship accounts of $100,000+.
Check out our picks for the best high-yield savings accounts if earning interest is a priority for you.
TD Simple Savings
- Perks:
- Free automatic transfers
- Enroll in overdraft protection for a TD checking account
- Minimum opening deposit: $0
- Monthly fee: $5 , waived by any of the following:
- Minimum daily balance of $300+
- Linked eligible TD Beyond or TD Complete Checking account
- Being under 18 or 62+ years old
- APY: 0.02%
TD Signature Savings
- Perks:
- Non-TD ATM fees waived when you maintain a balance of $2,500+
- Improved APY when you link an eligible TD account
- Free incoming wire transfers, cashier’s checks, money orders, and stop payments
- Minimum opening deposit: $0
- Monthly fee: $15 , waived if you do at least one of the following:
- Maintain a daily balance of $10,000+
- Link your account to an eligible TD Beyond or TD Complete Checking account
- APY: 0.01%–3.00% (depending on your account balance)
Bank details checked Nov. 21, 2025.
Certificates of deposit
TD Bank offers a variety of CDs with terms ranging between three months and five years. Interest rates vary by term length and whether you have other accounts with TD (you’ll earn a higher rate if you have a relationship with the bank, in most cases).
TD’s “Choice CD Rates” are the most generous, offering up to 4.00% APY as of this writing. You can also open “Step Rate” CDs, which come with APY that increases incrementally throughout your term, and “No Catch” CDs that allow you to access your money one time before your account matures without sustaining early withdrawal penalties.
TD also issues IRA CDs, with similar terms and varying return rates.
TD Bank Choice CD rates
| CD Term | APY |
|---|---|
| 3 months | 3.70% |
| 6 months | 3.51% |
| 9 months | 2.00% |
| 10 months | 2.00% |
| 12 months | 3.00% |
| 18 months | 2.75% |
| 24 months | 2.50% |
| 36 months | 2.00% |
| 60 months | 2.00% |
| 3 months | |
|---|---|
| APY | 3.70% |
| 6 months | |
| APY | 3.51% |
| 9 months | |
| APY | 2.00% |
| 10 months | |
| APY | 2.00% |
| 12 months | |
| APY | 3.00% |
| 18 months | |
| APY | 2.75% |
| 24 months | |
| APY | 2.50% |
| 36 months | |
| APY | 2.00% |
| 60 months | |
| APY | 2.00% |
Bank details checked Nov. 21, 2025.
TD No-Catch CD rates
| CD Term | APY |
|---|---|
| 6 months | 0.05% |
| 12 months | 0.05% |
| 6 months | |
|---|---|
| APY | 0.05% |
| 12 months | |
| APY | 0.05% |
Bank details checked Nov. 21, 2025.
TD Step Rate CD rates
| CD Term | APY |
|---|---|
| 3 years | – Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% |
| 5 years | – Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25% |
| 3 years | |
|---|---|
| APY | – Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% |
| 5 years | |
| APY | – Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25% |
Bank details checked Nov. 21, 2025.
Other services TD Bank offers
As a full-service bank, TD also offers several other products, including:
- Credit cards: TD offers multiple credit cards for both personal and business purposes. Whether you want to earn cash back, take advantage of a low intro APR period, or build credit, there’s probably a card suited to your goals.
- Home lending: TD offers both mortgages and home equity lines of credit.
- Personal loans: You may be able to get a personal loan of up to $50,000 with repayment terms between three and five years.
- Small business accounts: TD offers several accounts and services for small businesses, including checking, savings, and loans.
Online banking
You can access your account via TD Bank’s website or mobile app. Once enrolled, you can log in for services such as Zelle and bill pay. You can also check your balance and transactions, view statements, and communicate securely with customer service.
The TD Bank platform and customer support
You can contact TD Bank in a variety of ways. General customer service is available 24/7 by phone at 888-751-9000. TD also has a few self-help options, including a help center with articles, an AI chatbot, and a special QR code via the TD app that will put you in touch with an agent.
The TD app is available for both Apple and Android and has similar features to the website. You can also use mobile deposit and receive real-time notifications on your phone.
Is TD Bank secure?
TD Bank uses up-to-date methods to protect your personal information, including firewalls, constant system monitoring, and employee security training. It also uses two-step verification for passwords, security alerts, and an optional feature called “VoicePrint.”
VoicePrint records your voice and creates a digital signature that works in the background to verify your voice if you call customer service.
TD Bank user reviews
Online reviews of financial institutions often lean (heavily) negative. That’s because customers tend to write reviews out of frustration. It’s not often that a perfectly successful experience motivates someone to run to the computer and write a review.
With that in mind, online customer reviews are poor, earning only 1.5 stars on Trustpilot from more than 2,700 reviews. The majority of complaints are with the in-person customer service, saying that reviewers felt tellers they dealt with in-branch were unhelpful or unfriendly.
Reddit reviews have a slightly rosier outlook on TD, with many users expressing satisfaction with competitive rates, excellent fraud detection, and a simple mortgage process.
Compare TD Bank alternatives
Two household names that are well worth considering are Capital One and Discover, as long as you’re comfortable doing the bulk of your banking online. Note, Capital One acquired Discover in 2025, but the two brands maintain distinct products as of this writing.