Documents and information TD will ask for

TD Bank requires a government-issued photo ID, your Social Security number, and proof of your current address to open a checking account. The photo ID can be a driver's license, passport, state ID card, or military ID. Proof of address typically means a recent utility bill, lease, mortgage statement, or bank statement dated within the last 60 days — something with your name and street address on it.

You'll also need to bring an initial deposit. TD's minimum opening deposit varies by account type and changes periodically, so call your local branch or check TD's website before you go in. Some accounts have no minimum; others require $25 to $100. You can deposit cash, a check, or transfer money from another bank account.

If you don't have a Social Security number, TD can open an account using an Individual Taxpayer Identification Number (ITIN) instead, though you'll need to bring additional documentation to verify your identity.

Key Takeaways

  • Bring a government photo ID, your Social Security number, and a recent utility bill or bank statement showing your current address.
  • TD requires an opening deposit, which ranges from zero to $100 depending on the account type you choose.
  • You can open an account in person at a TD branch, by phone, or online, and each method has different document requirements.
  • If you're under 18, a parent or guardian must be present and provide their own ID and Social Security number.

Opening in person at a TD branch

Walking into a branch with your ID, Social Security number, and proof of address is the most straightforward route. Bring your initial deposit in cash or as a check. The process usually takes 15 to 30 minutes. A TD representative will verify your information, run a background check through ChexSystems (a banking history database), and set up your account on the spot.

You'll leave with a debit card if you request one, though it may take 7 to 10 business days to arrive by mail. Your account number and routing number are available immediately, so you can set up direct deposit or transfers the same day if you need to.

Opening online or by phone

TD allows you to start an account online or by calling 1-800-788-7000. The online process asks you to upload photos of your ID and proof of address using your phone or computer. You'll enter your Social Security number, answer security questions, and arrange your opening deposit by linking a bank account or providing a check number.

Phone applications follow a similar path — a representative will walk you through the same questions and document requests. The entire process takes about 20 minutes. Your account opens immediately, but your debit card arrives by mail in 7 to 10 business days. You can use your account number and routing number for direct deposit or transfers before the card arrives.

What happens if you don't have all the documents

If you don't have a current utility bill or lease, other documents work: a recent credit card statement, insurance policy, or government benefits letter with your name and address. Some branches accept mail from your employer or a letter from a government agency. Call ahead to ask what your specific branch will take — policies can vary slightly by location.

If you have no photo ID at all, TD can sometimes work with you using alternative verification, but this requires a manager's approval and additional steps. Bring whatever ID you do have — a school ID, work badge, or passport card — and ask what options exist. This process is slower and may require a follow-up visit.

Accounts for people under 18

A minor can open a TD checking account, but a parent or legal guardian must be present in person or on the phone call. The adult provides their own government ID, Social Security number, and proof of address alongside the minor's ID. Both names appear on the account, and the adult has full access to it.

Some TD branches offer student checking accounts with lower or no monthly fees for people under a certain age. Ask whether your branch has this option when you call or visit.

Background checks and account denials

TD runs your information through ChexSystems, a database that tracks banking history and fraud. If you've had accounts closed due to unpaid overdrafts, fraud, or other issues, ChexSystems will flag it. TD may still open your account, but some branches deny accounts based on ChexSystems reports, especially if the issue is recent.

If TD denies your account, ask for the specific reason. You have the right to request your ChexSystems report for free at www.chexsystems.com. If the report contains errors, you can dispute them. After a dispute is resolved or after time has passed, you can reapply at a different TD branch or try again later.

Frequently Asked Questions

Can I open a TD account without a Social Security number?

Yes, if you have an ITIN (Individual Taxpayer Identification Number), TD will open an account using that instead. You'll need to bring additional identity documents — typically a passport or consular ID — and the process may take longer. Call your local branch first to confirm they can handle ITIN accounts.

How long does it take to open an account online?

The online application takes about 20 minutes to complete. Your account opens immediately and you can use your account number for direct deposit or transfers the same day. Your physical debit card arrives by mail in 7 to 10 business days.

What if I don't have a recent utility bill for proof of address?

TD accepts other documents: recent credit card statements, insurance policies, government benefits letters, or employer mail — anything with your name and current address dated within the last 60 days. Call your branch to ask what they'll take before you visit.

Do I need to bring my Social Security card itself?

No. You only need to know your Social Security number and provide it verbally or on the application. Bringing the card itself is not required and not recommended for security reasons.

What if TD denies my account?

Ask TD for the specific reason. If it's based on a ChexSystems report, you can request your report free at www.chexsystems.com and dispute any errors. You can reapply after the issue is resolved or try a different TD branch.