Yes, you can open most TD Bank accounts online, but the process depends on which account type you want

TD Bank lets you open a checking or savings account entirely online through their website or mobile app. You do not need to visit a branch. The whole process takes about 10 to 15 minutes, and you can start using your account the same day in most cases. However, some account types—like business accounts or accounts that require a minimum deposit you do not have on hand—may require a phone call or branch visit.

The online application asks for your Social Security number, date of birth, address, and employment information. TD Bank will run a background check through ChexSystems, a banking history database. If you have had problems with a bank account in the past—overdrafts you did not pay back, fraud, or accounts closed by the bank—this check may flag you, and TD may deny the application or ask you to call.

Key Takeaways

  • TD Bank personal checking and savings accounts can be opened online in about 10 to 15 minutes using their website or mobile app.
  • You will need your Social Security number, date of birth, current address, and employment details to complete the online application.
  • TD Bank runs a ChexSystems check, which may deny your application if you have unpaid overdrafts or a history of closed accounts at other banks.
  • Your account is usually active the same day, but you will need to fund it with a transfer or deposit before you can use it.
  • Business accounts and some specialty products cannot be opened online and require a phone call or in-person visit to a branch.

What you need before you start the online application

Gather these items before you open your browser: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your current address, and your employment information (employer name and job title). If you are self-employed or retired, have that information ready too.

You will also need a way to fund your account. TD Bank does not require a minimum opening deposit for most personal checking accounts, but you will need to add money before you can use the account. You can link an external bank account and transfer money, use a debit card to make a deposit at an ATM, or visit a branch with cash or a check. Have your routing number and account number from another bank handy if you plan to transfer money electronically.

Step-by-step: opening an account online

Go to TD Bank's website or open their mobile app and select "Open an Account." Choose the account type you want—most people choose a checking account, but you can also open a savings account at the same time. The application will ask you to enter your personal information: full name, date of birth, Social Security number, current address, phone number, and email.

Next, you will answer questions about your employment and income. TD Bank uses this to comply with federal anti-money-laundering rules, not to decide whether to approve you. Be honest about your job title and employer. If you are unemployed, retired, or a student, select that option instead.

Review the account terms and disclosures, then submit the application. TD Bank will run the ChexSystems check immediately. If you pass, your account opens right away, and you will see your account number and routing number on the screen. If the check flags something, TD Bank will either deny the application or call you to discuss it.

When TD Bank will deny your online application

TD Bank uses ChexSystems to check your banking history. If you have unpaid overdraft fees from another bank, accounts closed due to fraud or suspicious activity, or a pattern of bounced checks, ChexSystems will report it. TD Bank may deny your application outright, or they may call you to ask about it.

You can also be denied if you do not pass their identity verification. This happens rarely, but it can occur if your address does not match public records, if your name appears on a government watch list, or if the information you provided does not match what they find. If this happens, TD Bank will tell you and may ask you to call or visit a branch with ID to verify who you are.

If you are denied, ask TD Bank why. You have the right to a written explanation. You can also request your ChexSystems report for free from ChexSystems directly to see what information they have about you. If there is an error on your report, you can dispute it with ChexSystems, and they will investigate.

Funding your new account after it opens

Once your account is open, you need to add money before you can use it. The fastest way is to link an external bank account and transfer money electronically. This takes one to three business days. You can also deposit cash or a check at a TD Bank ATM or branch, which posts immediately or within one business day.

If you do not have another bank account to link, visit a TD Bank branch with cash or a check. Bring your ID and your new account number (you will see this on your phone or in the app). The teller will deposit the money and your account will be ready to use.

Account types you cannot open online

TD Bank business accounts, including sole proprietor accounts, must be opened by phone or in person. Call TD Bank's business banking line or visit a branch. You will need your business tax ID, business address, and information about the business structure.

Some specialty accounts—like accounts for minors, accounts with special features, or accounts that require a large opening deposit—may also require a phone call or branch visit. If you are unsure whether your account type can be opened online, start the application and TD Bank will tell you if you need to call or visit instead.

What happens after your account opens

Your account is active immediately, but your debit card arrives by mail in 7 to 10 business days. You can use your account number and routing number to set up direct deposit or bill pay right away. You can also transfer money between accounts, check your balance, and view transactions in the TD Bank app or website.

If you need a debit card sooner, visit a TD Bank branch and ask for a temporary card or expedited shipping. Some branches can issue a card on the spot. You can also use your account number to make online purchases or set up automatic payments before your physical card arrives.

Frequently Asked Questions

What if I do not have a Social Security number?

TD Bank requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you have an ITIN, you can use that instead. If you do not have either, you will need to visit a branch in person and speak with a banker about your options.

Can I open an account if I have been denied by another bank?

Yes, but TD Bank will see the denial on your ChexSystems report. They may call you to ask about it. Be honest about what happened. TD Bank sometimes approves accounts for people with banking history issues, especially if the problem was years ago or if you can explain what led to it.

How long does it take to receive my debit card?

Debit cards arrive by mail in 7 to 10 business days. You can use your account before the card arrives by setting up direct deposit, bill pay, or online transfers. If you need a card faster, visit a branch and ask about expedited shipping or a temporary card.

Can I open a joint account online?

No, joint accounts require both account holders to be present or to complete separate identity verification. You will need to call TD Bank or visit a branch with the other account holder and both of your IDs.

What if my online application is still pending after a few hours?

Most applications are approved or denied within minutes. If yours is still pending after a few hours, check your email for a message from TD Bank—they may be asking for more information or asking you to call. You can also call TD Bank directly to check the status of your application.