{"account":{"slug":"td-checking","bank":"TD Bank","name":"Personal Checking"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.td.com/us/en/personal-banking/checking-accounts","history":[{"date":"2026-06-11","apy":"None on Complete/Essential; token interest on Beyond","monthlyFee":"$4.95 Essential; $15 Complete; $25 Beyond","minimumOpen":"None","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"None on Complete/Essential; 0.01% APY on Beyond","monthlyFee":"$4.95 Essential; $15 Complete; $25 Beyond, with the published age, deposit, balance, and relationship waiver paths","minimumOpen":"None; an unfunded account closes after 45 days","note":"Corrected Beyond overdraft reversals from three to two, clarified ATM reimbursement and wire benefits, and reconfirmed all three account tiers","sourceUrl":"https://www.td.com/us/en/personal-banking/checking-accounts","sourceLabel":"TD Bank personal checking comparison and disclosures"}],"verificationEvents":[{"id":"e1fdfd74-df14-4507-87df-631f8fffa78b","entityType":"bank-account","slug":"td-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:06:39.053Z","sourceUrl":"https://www.td.com/us/en/personal-banking/checking-accounts","sourceLabel":"TD Bank personal checking comparison and disclosures","outcome":"changed","summary":"Completed the Essential, Complete and Beyond review; corrected the Beyond APY, overdraft reversals, ATM rules, wire benefit and live bonus summary","changedFields":["apy","plans","features","atm","termHistory","lastVerified"],"facts":{"essentialFee":4.95,"completeFee":15,"beyondFee":25,"beyondApy":0.01,"overdraftPaybackAnnualReversals":2,"completeBonus":200,"beyondBonus":300},"previousHash":"56053ca3320238c93d80e3a52e0a703c28c940d95884eb7b463ebd3afbde429a","recordHash":"4f76e7f12dde19e283995cb7e9ace76b32b7a67ee64a33b0de61e713b081c305"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}