View account guide for more details: TD Business Simple Checking, TD Business Convenience Checking Plus, TD Business Premier Checking and TD Business Interest Checking Plus.
1Eligibility of ACH payments for early availability are limited to those coded by the originating financial institution as PPD (Prearranged Payment and Deposit), which are typically for payroll, government benefits, tax refunds and similar payments. All other ACH payment types, deposits or credits to your account, such funds from peer-to-peer payment services (e.g., Zelle®), checks or mobile deposits, and online transfers are not eligible for TD Early Pay. TD Bank does not guarantee that any ACH payments will be made available before the date scheduled by the payor, and early availability of funds may vary between ACH payments from the same payor. Early availability is subject to cut-off times, any limitations we set on the amount of early availability and standard fraud prevention screening.
If an ACH payment not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Business Deposit Account Agreement (BDAA). Except as expressly set forth in the BDAA, funds made available early are subject to the same terms and conditions as other ACH payment to your account. If we’ve made funds available early and the payor reverses or requests a return of the payment, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process, up to the amount of the payment that was previously made available – even if you have already withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.
2Refer to the Business Deposit Account Agreement for details.
3For non-TD Bank, N.A. ATM transactions, the institution that owns the terminal (or the network) may assess a surcharge at the time of your transaction, including balance inquiries.
4TD Business Convenience Checking Plus combined balances includes balances from the TD Business Convenience Checking Plus account and one TD personal checking product. The following personal checking products are excluded: Health Savings Accounts and TD Simply Free Checking. Please see your Business Deposit Account Agreement for more details.
5Non-profit customers are eligible for waiver of the monthly maintenance fee.
6Business Convenience Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.
7Business Simple Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.
8The TD Bank Mobile App is free to download, however, standard wireless carrier message and data rates may apply. Text "Stop" to quit or "Help" for more information. TD Bank Mobile Deposit is available to business customers with an active checking, savings or money market account. Available for most iPhone® and Android™ devices. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
9Fees may apply for optional services. For merchants with a TD Bank settlement account and TD Bank’s standard payment processing setup, funds will be available in the settlement account by 6 PM ET on the next business day. Availability may vary based on merchant-selected payment processing gateway and other chosen services, including but not limited to, the use of non-TD Bank settlement account. Additional restrictions apply. Please consult your Business Account Agreement for details. See the TD Bank, N.A. Member Merchant Agreement for Applicable Merchant Processing Fees and Assessments. Subject to credit approval. Visit https://www.tdbank.com/merchantsolutionsoffer/for promotion details.
Business Checking monthly maintenance fee 3-statement cycle waiver offer is eligible on one new TD Small Business checking account per customer TIN. Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus or Business Premier Checking products are eligible. The Monthly Maintenance Fees will be waived for the first three billing cycles (months) after the account has been opened, and standard pricing will resume when the 3-statement cycle waiver expires. See Business Fee Schedule for details. Account analysis checking customers are not eligible for this offer. Offer only available to new small business checking customers during the offer period 4/1/2024 – 6/30/2024.
