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.
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 16,000.
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 $2.50 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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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
1 - 3 of 3
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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TD Bank vs. Chase other products
Both banks offer a wide variety of financial products, but Chase‘s larger presence means it offers more.
TD Bank
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
Chase
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
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
Phone 24/7
Social media
Live chat via Facebook
Phone 24/7
Social media
Live chat
TD Bank vs. Chase special features
Both banks offer several features that help them stand out from the competition:
TD Bank
Extended banking hours
No foreign transaction fees
Banks and ATMs are fully accessible
Chase
Strong online and mobile banking, including account balances and history via text
Military banking
Premier banking and private client options for preferred accounts
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
Yes. Both banks offer mobile and online banking, including the ability to deposit checks, pay bills, and send money with Zelle.
Neither bank has a personal banking rewards program, though they both offer one through their credit cards.
No. Most special offers and signup bonuses are only for people who don’t have any accounts at the bank.
Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar. See full bio
Andrew's expertise
Andrew has written 28 Finder guides across topics including:
Chase College Checking offers no monthly service fees for enrolled college students for up to five years, but there may be other free accounts worth considering.
The Chase Savings account is a simple savings account that helps you reach your short- and long-term financial goals. It offers the benefits and security of banking with Chase for a low monthly fee that is easily avoidable.
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