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Compare TD Bank vs.Chase
Both banks offer strong banking products and 24/7 support.
Chase and TD Bank both offer a suite of accounts but they have key differences, including customer service support, interest rates and product options. Compare these two banks to determine which is the best fit for your banking needs.
Pros and cons of TD Bank vs. Chase
TD Bank
Pros
- Higher interest rates. TD Bank offers higher APYs on its savings accounts, with the basic savings account starting at 0.02%.
- Minimal fees. You can avoid the monthly maintenance fee in one of three ways and its out-of-network ATM fee if you have over $2,500 in your account.
- Customer service. TD Bank is open seven days a week and has 24/7 phone support.
Cons
- Limited availability. TD Bank only has branches in 15 East Coast states and its 1,300 ATMs pale in comparison to Chase’s 15,000.
- Fewer options. TD Bank offers standard banking and financial products, but it offers fewer options than Chase.
Chase
Pros
- More branches and ATMs. Chase’s presence in 30 states and its network of over 15,000 ATMs makes it the more accessible option.
- Signup bonuses. Chase offers a variety of signup bonuses throughout the year for each account usually at a higher amount than TD Bank’s bonus offers.
- More banking products. Chase offers a wider variety of checking and savings accounts, in addition to offering more banking and financial products.
Cons
- Lower APY. Chase’s base APY is .01% on its savings accounts, though it does offer higher APY options on its CDs.
- ATM fees. If you can’t find one of its ATMs, you’ll have to pay a $3 out-of-network fee to Chase, in addition to the ATM’s fee.
TD Bank vs. Chase savings accounts
TD Bank offers tiered savings accounts that earn more interest the more money you have in the account. It’s preferred savings starts at 0.02% and grows from there, while Chase’s savings account starts at 0.01%.
Winner: TD Bank
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What is the Finder Score?
The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
TD Bank vs. Chase checking accounts
Both TD Bank and Chase offer student checking accounts and interest-bearing accounts and easy ways to waive the monthly fees. Chase’s larger presence and large network of ATMs gives it the edge.
Winner: Chase
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What is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
TD Bank vs. Chase CDs
Both banks offer many CD term options. Although TD Bank offers three different CD products, Chase offers higher APYs on its CDs.
Winner: Chase
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What is the Finder Score?
The Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
TD Bank vs. Chase other products
Both banks offer a wide variety of financial products, but Chase’s larger presence means it offers more.
- Personal, car, student loans
- Home loans and refinancing
- Credit and reloadable cards
- IRAs & 401(k)s
- Commercial banking
- Brokerage accounts
- Student banking
- Portfolio management
- 529 plans and college savings
- Foreign exchange
- Financial advising
TD Bank
- Personal, car, student loans
- Home loans and refinancing
- Credit and reloadable cards
- IRAs & 401(k)s
- Commercial banking
- Brokerage accounts
- Student banking
- Military banking
- You Invest
- Lines of credit
- Annuities
- Mutual funds
- Chase Private Client
- Financial advising
- Tax services
- Car buying services
- Merchant services
Chase
TD Bank vs. Chase branches and ATMs
Both TD Bank and Chase offer thousands of ATM locations and customer service phone support seven days a week.
| TD Bank | Chase | |
|---|---|---|
| Branches | 1,300 in 15 states plus 1,150 in Canada | More than 47,000 in 30 states plus branches in 60 countries |
| ATMs | 1,300+ | 15,000+ |
| Customer service |
|
|
TD Bank vs. Chase special features
Both banks offer several features that help them stand out from the competition:
| TD Bank |
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| Chase |
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Winner:TD Bank
Bottom line
Chase is the largest bank in the country and has a wider presence, but TD Bank has higher interest rates on its savings products. Both banks offer many financial products under one roof and have solid customer service.
Before deciding between these banks, you might want to compare other banks that have higher yield accounts and a larger presence in your region.
Frequently asked questions
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