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TD Bank Review

Based in Wilmington, Delaware, TD Bank provides personal banking, business banking, insurance and investment products at more than 1,100 retail locations in 13 states and the District of Columbia.

Founded in 1852 as Penobscot Savings Bank, TD Bank, N.A. is now one of the 15 largest banks in the U.S., having more than 22,000 employees in 2010. The bank is part of TD Bank Financial Group of Toronto, Canada, a top 10 financial services company in North America. The bank is one of a few banks in the world rated AAA by Moody’s.

Personal banking

TD Bank offers a variety of personal savings and checking account choices. Elite Savings is a high yield savings account that earns higher interest with higher balances. Premier Checking also offers competitive tiered interest rates and earns more interest with a higher monthly balance.

No minimum initial deposit is required to open this account. TD Bank offers a variety of products and services including CDs, credit cards, gift cards, international services and higher education products.

Business banking

Small business and commercial banking products and services are provided in several eastern seaboard and New England states plus the District of Columbia.

Small Business Money Market Account earns competitive tiered interest rates, requires a minimum daily balance and monthly maintenance fees are waived for clients who meet the minimum daily balance requirement.

Insurance products

TD Bank offers insurance products and services through TD Insurance, Inc., a full service insurance agency. Business and personal insurance products are provided. These include employee benefits, property and casualty, auto insurance, home insurance, life insurance, identity theft protection, valuable items and personal umbrella.


TD Bank offers investment services for personal investing and institutional or non-profit organizations through TD Wealth Management. Products include concierge banking, trust and estate planning, portfolio management, trustee services, and retirement plan services such as 401(k), 403b, 457, profit sharing and pension plans.

Deposit insurance

TD Bank, N.A. has been insured by the Federal Deposit Insurance Corporation since 1961.

In July 2010, FDIC coverage for eligible deposits was permanently increased from $100,000 to $250,000 per depositor. Joint accounts are insured by FDIC up to at least $250,000 per account holder.

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