TD makes banking simple for middle school, high school and college age young adults. Explore our flexible student bank accounts and digital tools to help you manage your money. Plus, get plenty of information on how to start your financial journey.
TD Complete Checking
TD Essential Banking
TD Simple Savings
Special Offer
Best for You if
Three ways to waive your maintenance fee and more perks if you're a college student or young adult, ages 17 through 23 1,2
You're a middle school or high school student aged 13 - 17 and want an account with the lowest monthly maintenance fee that can be waived 6
Perfect for everyone under the age of 19 with a low monthly fee that can be waived, 8 plus other perks to help you reach your savings goals
Minimum Opening Deposit
Monthly Maintenance Fee and Ways to Waive
Monthly maintenance fee waived if:
Monthly maintenance fee waived if:
Monthly maintenance fee waived if:
Earns Interest
Standard interest rates
Free at TD ATMs and waived at non-TD ATMs for customers aged 17-23 3
Free at TD ATMs
Free at TD ATMs
Online Statements
Paper Statements
TD Overdraft Relief
Learn about your flexible overdraft options, 10 including Grace Period which gives extra time to fix an overdraft
Overdraft fees or services do not apply to TD Essential Banking Accounts. 7
Enroll in Savings Overdraft Protection 11 to automatically transfer cash from your linked savings account to cover an overdrawn checking balance
Free With This Account
One free linked personal savings account of your choice, TD Bank Mobile Deposit 12
TD Bank Visa® Debit Card, TD Bank Mobile Deposit 12
TD Bank Mobile Deposit 12
Minors must visit a TD Bank store with a parent or legal guardian to open an account.
Parents and legal guardians: want to help teach your child money management? Open a joint bank account to share a checking or savings account with your child.
With our digital tools you can easily manage your money and your accounts—anytime, anywhere.
It's never too early to start building towards your financial goals. Learn how to manage your money and accounts.
Check out the WowZone for lessons to help you learn about money in a simple way, including a virtual stock market game
Forecast your total costs for the school year, estimate your available money and get help on how to plan.
1 TD Complete Checking monthly maintenance fee waived if the primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met.
2 If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner.
3 TD Complete non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
4 For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.
If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.
5 TD Complete Checking monthly maintenance fee can be waived with one of the following: Have $500 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $500; OR have a $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link; OR if the primary account owner is aged 17 – 23.
6 For the TD Essential Banking account the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday, the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.
7 Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee or return item fee. For example, preauthorized transactions and other transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.
8 Monthly Maintenance Fee is waived for primary account holders ages 18 or younger and 62 or older. Upon the account holder's 19th birthday, the account will be subject to the monthly maintenance fee unless an eligible TD Checking account is linked, or the $300 minimum daily balance within a statement cycle is maintained for Simple Savings. Eligible accounts include: TD Beyond Checking, TD Complete Checking and Relationship Checking.
9 For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.
11 Savings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdraw balance. You may still be assessed an Overdraft fee ($35 max of $105 per day per account) if the transfer could not be made such as; if there is not enough money in the linked Savings or Money Market account to cover the overdrawn balance or if you manually transfer the money after overdrawing your account and your transfer is insufficient to cover the overdrawn balance.
12 TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.