TD Bank vs Chase: Which Is Better?

TD Bank is located on the East Coast with 1,300 locations offering low minimum balance requirements as well as extending banking hours with a 24/7 customer service by phone.

They offer different types of banking services depending on your needs – from personal checking to investment options like CDs.

While Chase, one of the biggest banks in the Unites States, offers full service banking  from personal banking to mortgages to loans, as well as a popular range of credit cards.

Not to mention, they offer more checking options compared to other competitors.

Continue reading below to see a side-by-side comparison between TD Bank and Chase Bank, so you can see which one offers the services you need the most.

	TD Bank	Ally Bank
Locations	1300 locations along the east cost (Locator)	Online Only
ATMs	1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	Over 43,000 no-fee Allpoint ATMs
Savings	3/5	4/5
CD	3.5/5
Checking	4.5/5	4/5
Money Market	3.5/5	4/5
Customer Service	5/5	5/5
Mobile App	4.5/5	5/5
Pros	-Extended banking hours -Low requirements to waive monthly fees -No foreign transaction fees	-CD options -No account minimums -Good customer service
Cons	-No free checking -Low APY -Only on East Coast	-Low Checking APY for lower balance customers
Bottom Line	TD Bank offers a variety of banking services that includes saving, checking, and CDs.	Ally Bank is an online only based banking that offers full service with the most competitive rates.

TD Bank Promotions

• Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more. • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts. • TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance • Get overdraft fees automatically reversed up to two times a year. • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle. • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring. • Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments. Apply Now at TD Bank

With the TD Convenience CheckingSM Account: • Earn $200 when you receive direct deposits totaling $500 or more within 60 days • Low minimum daily balance of $100 waives the $15 monthly fee. • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee. • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service. • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring. • Get a 0.25% discount on TD Bank Home Equity and Personal Loans. Apply Now at TD Bank

Chase Bank Promotions

Chase Business CheckingChase Total Checking®

• Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions. • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments. • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account. • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology. • Associate Debit and Employee Deposit Cards available upon request Apply Now at Chase

Read our review & latest Chase Business Checking offers and the latest bank deals from Chase

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Open an Account

Read our full review of the Chase Total Checking® and the latest bank deals from Chase

Bottom Line

Which Bank is Better: TD Bank or  Chase?

In summary:

• If you live in the near the East Coast, take advantage of the many accounts that TD Bank has to offer as well as the extended customer hours and easy online banking.
• Chase is a good choice if you’re looking for a bank with full range of services, physical locations, lots of ATMS, and good mobile banking.

For more variety of options, see our list of the best bank account bonuses & savings account offers

Chase Private Client Checking $3000 Bonus – Ends 10/15/25

Chase Total Checking Account $300 Bonus – Ends 10/15/25

Chase Bank Coupon Codes: $100, $200, $300, $400, $500, $700, $1000, $2000, $3000 Checking Bonuses (July 2025)

• 1
• 2
• 3
• …
• 9
• ›