TD Bank Review: APYs, Fees & Who It's Best For in 2026

TD Bank's branch network runs from Maine to Florida, and in 2026 it remains one of the few major banks with branches reliably open on weekends and into the evening. APYs are unremarkable, but if you value walking into a branch on a Saturday morning, TD is in a class of one.

2026 snapshot

• **Our rating:** 4.0 / 5
• **Best for:** East-coast branch banking and long branch hours
• **FDIC insured:** Yes, up to $250,000 per depositor, per ownership category

Products and features

TD Convenience & Beyond Checking

Tiered checking with the Beyond account waiving non-TD ATM fees at higher balances.

TD Signature Savings

Relationship savings with tiered APY; standard rates are low.

TD Choice Promotional CDs

Promotional rates are competitive when paired with an eligible checking account.

What we like

• Branches open evenings and weekends across the East Coast
• Strong in-person customer service
• Promotional CDs are competitive for relationship customers

Where it falls short

• Base savings and CD rates are uncompetitive
• Monthly fees apply at lower balances

Bottom line

TD Bank earns its 'most convenient' tagline. Choose it for the branch experience, not the rates.

> Rates and product terms shown reflect publicly available information at the time of our 2026 review and can change at any time. Always confirm current APYs and fees directly with the bank before opening an account.

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