TD Bank US overdraft fee
This page is TD Bank in the United States, at td.com/us. It is not TD Canada Trust. The Canadian monthly fee is a different bank, on [TD Canada Trust monthly fee](/guides/waive-td-monthly-fee). The short row in the comparison table is on [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank). How to save the PDF is on [download a TD Bank US statement](/guides/download-td-bank-us-statement).
Last updated: October 21, 2026
Last checked: Oct 2026
The $35 overdraft fee
Opened 21 October 2026. TD's overdraft services page prints $35 per item when the available balance is overdrawn by more than $50. There is no fee if the account is overdrawn by $50 or less. TD charges at most 3 overdraft fees per day on an account. The Grace Period lasts until 11 p.m. ET the next business day. If you bring the available balance to at least $0 by then, TD refunds the fee.
Savings is a different $35 line. The $50 threshold and the Grace Period do not apply to savings. A checking overdraft and a savings overdraft are not the same request.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Overdraft fee |
|---|---|
| Checking other than Essential Banking | $35 per item over $50. At most 3 a day. Grace Period until 11 p.m. ET the next business day |
| Essential Banking | No overdraft fees and no overdraft services. A transaction can still overdraw the account |
| TD Beyond Checking | Same $35 fee. Overdraft Payback reverses the first two overdraft fees in a calendar year, up to $70, before Grace |
| TD Complete Checking | Same $35 fee, with the Grace Period |
| Savings | $35. The $50 threshold and the Grace Period do not apply |
Which checking account
TD's compare checking page says Essential Banking has no overdraft fees or overdraft services. A footnote says a transaction can still overdraw that account. TD Beyond Checking adds Overdraft Payback, which reverses the first two overdraft fees in a calendar year, up to $70, and TD applies that reversal before the Grace Period. TD Complete Checking has the Grace Period.
The same compare page prints monthly fees of $25 for Beyond Checking, $15 for Complete Checking, and $4.95 for Essential Banking. Each account has its own way to waive the monthly fee. This page does not copy those waiver steps, because the overdraft dollar is the line people mix up with the monthly fee. Read the compare page for the waiver that matches the account name on your statement.
A Convenience Checking PDF still in TD's document library prints its own $35 overdraft line, a $15 monthly fee, $3 for a non-TD ATM withdrawal, and $0 at a TD ATM. Convenience Checking and Complete Checking are different names. Use the name printed on your statement, not the closest one on this page.
Questions
- How much is a TD Bank US overdraft fee?
- The overdraft services page prints $35 per item when the available balance is overdrawn by more than $50. There is no fee at $50 or less. The cap is 3 fees a day per account.
- Does Essential Banking charge an overdraft fee?
- No. TD says overdraft fees and overdraft services do not apply to Essential Banking. A transaction can still overdraw the account.
- Is this the TD Canada Trust NSF fee?
- No. This page is TD Bank in the United States. TD Canada Trust monthly and NSF fees are on the Canadian pages.
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