TD Bank hails its Student Checking as “banking that fits into your class schedule,” featuring convenient tools and services that let you concentrate on more important matters. Read on for the good, the bad and our overall impression for this made-for-students checking account.
See the Posts History below for all TD Bank offers.
*See the best Student Checking Accounts compared
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- Students 17-23
- 1300 Branches
- No Monthly Fee
- Read Our Review
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- Students 6-17
- 4700+ Branches
- No Monthly Fee
- Read Our Review
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The TD Bank Student Checking Requirements
- Under the age of 24.
- Proof of active student status.
- No minimum opening deposit.
- Parent co-owner, if you’re younger than 18.
TD Bank Student Checking Details
The Good
No Monthly Maintenance Free or Minimum Balance Requirement
Ever! You just need to be under the age of 24 and have proof of active student status.
Extremely Convenient
With access to thousands of TD Bank ATMs in the United States and Canada, TD Bank Visa Debit Card available on-the-spot, and branches that open early, open late and open 7 days a week!
On-the-Go Banking
With free mobile banking featuring Mobile Deposit, online banking with free Bill Pay, free online statements with check images, and live customer service 24/7!
Send Money to Others for Free
When you use Zelle, a PayPal- and Venmo-like app.
Waived Overdraft Protection Transfer Fees
Also, if your available account balance is overdrawn by $5 or less, TD Bank will not charge any overdraft fee.
Fee-Free TD Simple Savings Account
When you link to a TD Student Checking Account!
Student Banking Tools
TD Bank provides educational resources so you can learn all about personal finance. Topics include protecting your identity, understanding overdraft options, and more!
The Bad
Spotty Coverage
TD Bank has over 1,200 locations on the East Coast, but you might have a difficult time finding a branch if you don’t live in an urban area.
Overdraft Fees
TD Bank charges a hefty $35 per overdraft or NSF transaction, up to five times per business day.
No Yield on Deposits
Unfortunately, TD Bank Student Checking is a non-interest bearing account. However, it’s free to open a TD Simple Savings Account if you’re looking to make a bit of money while saving money.
The Fees
| Usage | Fee | Notes |
| Monthly Maintenance | $0 | With proof of active enrollment, expires in 5 years or at the age of 24. |
| Non-TD Bank ATM | $3 | Per transaction, domestic or international. |
| Overdraft/NSF | $35 | Per paid or returned item, max 5 items per business day. |
| Overdraft Protection Transfer | $0 | Just link to another approved account. |
| Send Money with Zelle | $0 | For delivering or requesting funds. |
| Paper Statement | $1 | Per monthly billing cycle. |
Bottom Line
We love the accessibility of TD Bank Student Checking. No monthly maintenance fee and no minimum deposit means ANY student (under the age of 24) can open an account here! What’s more, TD Bank is uber convenient. They’ve got online and mobile banking as well as 24/7 live customer service. If you prefer to do your banking physically at a branch, TD Bank also has extended branch hours. With Student Banking Tools and fee-free TD Savings Account, you will be well on your way to a firm personal finance foundation.
Be aware though, TD Banks are concentrated on the East coast in urban areas, and the overdraft fees are wallet-pinching!
Another great student Checking option is the Chase College CheckingSM account – it has great features and a cash sign-up bonus.
Post History for TD Bank Bonuses:
- Best TD Bank Bonuses & Promotions ($200, $300, $500 Checking Account Offers) – December 2025
- Earn $300 With TD Bank Beyond Checking Bonus – Ends 1/30/26
- Earn $200 With TD Bank Convenience Checking℠ Account Bonus – Ends 1/30/26
- TD Bank Business Checking Bonus: Earn $500 Cash (Ends 7/31/25)
- TD Bank Checking Bonuses – Up to $400 – Ends 5/23/25
- TD Bank Bonus: $300 Checking & $200 Savings Bonus – Ends 2/29/24
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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