TD Bank · U.S. checking accounts

TD Complete Checking

A U.S. checking account with a $15 monthly maintenance fee and several waiver options, including an age-based waiver for primary owners aged 17–23.

Pros

No minimum opening deposit.
Primary owners age 17–23 qualify for the monthly fee waiver; deposit or balance routes also apply.
No TD fee at TD ATMs in the U.S. and Canada.
Eligible direct deposits may arrive up to two business days early; timing is not guaranteed.

Cons

$15 monthly unless a waiver condition is met.
Paid overdrafts can cost $35 per item, up to three daily; $50 threshold and next-business-day grace conditions apply.
$30 outgoing domestic wire fee and $15 incoming wire fee; international transfer costs also apply.
Paper statements cost $3 monthly, waived for account holders age 60 and older.
International ATM/debit transactions can incur a 3% fee.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	15 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Conditional
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Waived with at least $500 in direct deposits per statement cycle, a $500 minimum daily balance, or $5,000 minimum daily combined balance in eligible linked deposit accounts. Primary owners aged 17–23 also qualify for the age-based waiver. Account approval and full TD terms apply.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Online Complete Checking applicants generally must be 18 or older, provide an SSN and accepted identification, fund the account and complete identity verification. Applicants age 17 or seeking an alternative tax-ID/document route should confirm their specific branch requirements with TD. A universal no-SSN route is not established here.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 01 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	35 (currency not confirmed)
Outgoing domestic wire	30 (currency not confirmed)
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing international wires cost $25 in foreign currency or $50 in USD, plus exchange-rate, tax and correspondent-bank charges. Domestic outgoing wires cost $30; incoming wires cost $15.
Allpoint ATM	Not confirmed
Other ATMs	TD ATMs in the U.S. and Canada are free. Non-TD withdrawals or transfers cost $3, waived for primary owners age 17–23; ATM owners may still charge. Balance inquiries have no TD fee.
Cash deposit	Not confirmed