TD Beyond Checking
ATM fee waivers with minimum daily balance
4.5
4.5
MoneyAtlas
Rating
Overdraft refunded with Grace Period
Multiple ways to waive your monthly maintenance fee, including direct deposits or a minimum daily balance
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