TD Bank offers a large selection of bank accounts. They offer personal checking, savings, and money market accounts. CDs, loans, and prepaid cards are offered. TD Bank offers accounts for small and commercial businesses. Checking, savings, and money market accounts are available for businesses. Loans, CDs, and credit cards for businesses are also offered.

TD Bank offers two specific checking accounts. One is for those over 60 years old, and another account specific for students. The student checking account does not have a monthly fee. The TD 60 Plus account requires $250 be in the account to waive the $10 monthly fee. The TD 60 Plus checking earns interest.

TD Bank offers three prepaid cards for businesses. You can use the cards to pay employees their paycheck or as part of an incentive program. Load a specific amount for expenses to the card or use them as a reward or refund. TD Bank offers reloadable cards or one-time use cards. The cards are accepted anywhere Visa is accepted.

TD Bank offers a good variety of CDs. TD Bank’s No-Catch CDs allow you to make one withdrawal each CD term without penalty. Step Rate CDs increase your interest each year. The 12-month Rate Bump CD offers competitive interest rates. To qualify for that CD, you must have a qualifying checking account in good standing. The rate bump increases the amount of interest your CD earns by more than a full percent. Only $250 is required to open all TD Bank CDs.

Accounts with TD Bank are not offered everywhere. To qualify for an account, you must have an address within the footprint of TD Bank. Those areas are on the East Coast, ranging from Maine to Florida. They are also in parts of Canada.

Most all TD Bank accounts have a monthly maintenance fee. The fees range from $4 to $25 each month, depending on the account. Not all account fees are easy to waive. Having a required amount in the account is the most common way to waive the account fees. Signing up for online statements will lower the monthly fee, not waive it. Having a direct deposit into the account will not waive the monthly fees.

Interest rates for TD Bank accounts are low. They are competitive with your typical brick and mortar bank rates. The TD Bank account rates are not competitive with online-only accounts. Only a few CDs offer interest rates competitive with online-only accounts.

Not all TD Bank checking accounts earn interest. The Premier, Relationship, and the TD 60 Plus checking account are the three that earn interest. The 60 Plus checking account does not require a large balance to avoid the monthly fee. The Premier account requires $2,500, and the Relationship requires $20,000 between TD Bank accounts.

Read the full TD Bank review.

Every My eBanc account offers competitive interest rates. The rates are much higher than typical brick and mortar bank rates. The accounts are personal deposit checking and money market account and CDs. My eBanc offers regular CDs, jumbo, and one fixed rate CD.

The account interest rates at My eBanc are not tiered. There is not a required balance to earn the most competitive interest rate. Any amount in the account earns the competitive interest rate. However, the money market and checking account do have a monthly fee if the balance falls under $5,000.

My eBanc accounts are entirely online. Everything for your account is done through the website or mobile app. Make deposits through electronic transfers or by mailing in a check. There is only one branch location in Florida.

The My eBanc money market accounts and checking accounts allow you to write checks and have a debit card. The money market account only allows for six withdrawals each month. The checking account has unlimited check writing options with no charge. Your first 50 checks are free.

The minimum deposit required to open My eBanc accounts is high. The checking, money market, and regular CDs all require $5,000 to open. The jumbo CDs require $100,000. The Flex Time Deposit CD requires $10,000 to open.

The money market and checking account have a monthly fee. The fee for both accounts is $15 monthly. Waive both of those fees if you keep an average daily balance of more than $5,000. You still earn interest on amounts under $5,000, but your earnings will be cut into by the fee.

There are limited accounts offered through My eBanc. Only personal deposit accounts are available. My eBanc offers one checking account and one money market account. There are five different term lengths of CDs. Those same terms are available in jumbo CDs. One fixed rate CD is offered.

My eBanc does not offer any business accounts. Only personal deposit accounts are available. Personal deposit checking and money market accounts and some CDs are offered.

Read the full My eBanc review.