{"account":{"slug":"td-checking","bank":"TD Bank","name":"Personal Checking"},"status":"recent","lastVerified":"2026-10-23","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"},{"date":"2026-10-23","apy":"Complete and Essential pay no interest; Beyond publishes 0.01% APY, variable","monthlyFee":"$4.95 Essential; $15 Complete; $25 Beyond before applicable waivers","minimumOpen":"$0; deposit within 45 days to avoid automatic closure","atm":"Complete and Essential charge $3 per outside-ATM withdrawal or transfer, plus operator fees. Complete waives TD’s charge for primary owners ages 17–23. Beyond always waives TD’s ATM fee; operator reimbursement requires a $2,500 minimum daily balance. International transaction fees are separate.","note":"Reverified three tiers; corrected Complete overdraft-refund claim, clarified age benefits, separate Beyond ATM balance test and 3% international transaction fee.","sourceUrl":"https://www.td.com/us/en/personal-banking/checking-accounts","sourceLabel":"TD checking comparison and linked account guides"}],"verificationEvents":[{"id":"29e9fd94-f1f5-4da5-8504-af2e4b1c9c05","entityType":"bank-account","slug":"td-checking","checkedAt":"2026-10-23T15:52:09.505Z","recordedAt":"2026-10-23T15:52:09.506Z","sourceUrl":"https://www.td.com/us/en/personal-banking/checking-accounts","sourceLabel":"TD current official disclosures","outcome":"changed","summary":"Reverified three tiers and 0.01% published Beyond APY; corrected Complete Payback claim and clarified ATM, foreign fee, age, funding and overdraft conditions.","changedFields":["tagline","apy","monthlyFee","minimumOpen","fdic","plans","features","atm","pros","cons","ourTake","bestFor","termHistory","lastVerified","comparePlans","sections","editorialReview"],"previousHash":"392302cf78ba4e235073d06172bc9ae48cd551fe2fd349eb5cae024848810e91","recordHash":"dbeadbb08a890dcfaec80d0dde864036074c0d2f20a656a9e602b29fba87516d"},{"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"}