[Update June 2022: Aspiration is offering consumers a $150 sign up bonus when you sign up and spend $1,000 in the first 60 days of opening the account. See more details here. Read more about Aspiration and their savings rates below.]

Aspiration is not a bank but rather a financial services company that has come up with quite the aspirational product – a hybrid checking/savings account with the goal of making the world a better place.

Aspiration has taken the best features of checking and savings accounts (i.e. cash back on debit purchases, unlimited ATM reimbursements and a solid APY on idle cash) and combined that with a streamlined way of investing in ethical companies.

The Aspiration Spend & Save account was named one of the best cash management accounts on the market for 2020 by NerdWallet— “it lets you invest sustainably and save while you do it.”

Today, the Spend & Save account by Aspiration comes with two plans to choose from:

• Aspiration – free – 3 to 5% cash back on conscious coalition purchases.
• Aspiration Plus – $7.99/mo or $5.99/mo if you pay annually. Earn up to 5.0% APY on savings (balances up to $10k) plus up to 10% cash back on conscious coalition purchases AND Aspiration will offset your carbon footprint every time you drive.

If you’re in the market for a cash management account that is as personally fulfilling as it is financially rewarding, continue reading our review of both plans below.

Aspiration Spend and Save Rate + Details

For the Aspiration Plus plan members, you have the chance to earn an unheard of APY of 5.00% on balances up to $10,000.

The biggest “catch” with earning the exceptional APY is that the plan requires you to also spend $1000 or more, monthly, with your Aspiration debit card. If this requirement is not met your balance will earn a more modest 0.10% APY.

A minimum deposit of just $10 is required to open the account, but you must enroll in Aspiration Plus to earn the APY.

Aspiration Plus APY

Balance	APY
$10 – $10,000	5.0%
$10,001 +	0.10%

To put these yields in perspective, the current national average for a savings account and an interest checking account are just 0.06% APY and 0.03% APY, respectively, according to FDIC data.

Aspiration APY

Balance	APY
$10 – $10,000	3.0%
$10,000 +	0%

The regular Aspiration plan does not provide any yield on your balance.

FDIC Insurance through Program Banks

Aspiration deposits are insured up to $2.46 million per depositor by the FDIC. This is just shy of 10x what a typical bank provides. This is possible through the use of the FDIC Deposit Sweep Program, which “sweeps” your funds into FDIC-insured bank accounts at day’s end to protect them.

Operating as your custodian and agent, Aspiration will select these banks for you from a long list of at least 10 participating Program Banks. They will post a Priority List of these selections for your viewing. This list will tell you which banks your funds will be put into and what the priority will look like (i.e. which bank will get the first tranche, second tranche, third and so on until all your money is safely parked).

As mentioned, at the end of each business day your cash balance is “swept up,” and distributed amongst, one or more of Aspiration’s partner banks up to $246,500 per bank.

Here is a current list of Aspiration’s current Program Bank members (all members FDIC):

• Coastal Community Bank
• EagleBank
• Ion Bank
• Bremer Bank, NA
• ProgressBank
• Bank of New Hampshire
• Manufacturers Bank
• C3Bank, NA
• The Freedom Bank of Virginia
• Bridgewater Bank
• Nano Banc

If the $2.46m is exceeded, you will have an excess bank for this additional amount. Deposits in the Excess Bank will not be insured. Contact Aspiration at (800) 683-8529 if you are over this limit in one or more of the banks on this list or if you would like to alter your Priority List.

Though your money won’t be held at Aspiration, it can still be accessed as usual through Aspiration. A Spend and Save account is not technically a deposit account, so deposits into it need to be distributed into other deposit accounts in order to still receive insurance coverage.

Accessing Your Funds

Accessing your funds is simple and straightforward and on par with many online bank savings accounts and money market accounts. The following methods are allowed.

Depositing funds can be down via:

1. ACH Transfer
2. Wire transfer
3. Mailed check
4. Mobile-deposited check

Withdrawing funds can be down via:

1. ACH transfer
2. Wire transfer
3. Request a mailed check
4. ATM withdrawal
5. Point-of-sale withdrawal

Account Fees

Aspiration’s “Pay What is Fair” fee is certainly an interesting approach to fees. They simply state that you choose their fee.

They’re confident in their ability to bring you best in class digital financial products and in return they hope you will be kind enough to pay them something for the value you received. But you certainly don’t have to and the ball is entirely in your court. The fee you pay can be $0 for as long as you’re with them if you so choose.

Fee Schedule

Type	Fee
Monthly Maintenance	Pay what is fair
Minimum to Open	$10
ATM Withdrawal	$0
Overdraft	NA. The account won’t allow it.
Stop Payment	$0
Insufficient Funds	$0
Domestic Wires (In and Out)	$0.82 each
International Wire In	$2.50
International Wire Out	$15
Return Item Charges	$1.15 per item under $5,000 $5.33 per item over $5,000
Foreign Item Collection	$30 plus the foreign bank’s fees
Canadian Item Collection	$5
Expedited Debit Card	$35
Account Research	Free

You may write checks with an Aspiration Spend and Save, but you will need to order paper checks. Aspiration tries to be as environmentally friendly as possible, so you’ll have to go out of your way to get paper.

Aspiration Spend and Save at a Glance

The Aspiration Spend and Save account is a cash management account that is divided up into two plans – Aspiration and Aspiration Plus.

As mentioned, the regular Aspiration plan is free and has several noteworthy benefits. These include:

• An Aspiration Debit Card issued by Coastal Community Bank, based in Washington State.
• A guarantee your deposits won’t fund fossil fuel exploration or production
• 55,000 free in-network ATMs using Allpoint locations (found in Walgreens, CVS and Target)
• 3-5% cash back on Conscience Coalition purchases
• Personal impact score to help you shop to match your values
• Option to plant a tree with every purchase roundup
• FDIC insurance up to $2.46 million using bank sweep programs which “sweep” your funds up into member FDIC banks to leverage their FDIC insurance
• pay whatever monthly fee you think is fair (even if it’s zero)

The fact that the Aspiration Spend and Save account will never be used to pay for fossil fuel exploration or production is taking direct aim at America’s largest banks. The four leading banks in the U.S. — Chase, Wells Fargo, Citi, and Bank of America — are responsible for the most fossil fuel production by any banks in the world.

If you opt for the Aspiration Plus plan at $7/mo or $69/annually you have the ability to unlock more features and rewards. On top of all the bulleted items listed above, the Aspiration Plus plan will also include:

• 10% cash back on Conscience Coalition purchases
• Up to 5.00% APY on your savings up to $10,000
• Planet Protection which purchases carbon offsets to balance out your gas consumption. Drive all you want with a clear conscience!

Both the 10% cash back on Conscience Coalition purchases and the Planet Protection program are novel benefits and unique differentiators for Aspiration.

All Aspiration Spend and Save customers will be able to see their spending impact in the form of an impact score which not only gives you spending bonuses but also shows you how the companies you’ve supported use their profits to do social and environmental good.

Conscience Coalition Partners

Aspiration has teamed up with corporations that put morals and ethics at the heart of their business.

Every Conscience Coalition partner that Aspiration has is an impact leader. These companies achieve high scores on the Aspiration Impact Measurement (AIM) tool. These companies are made up of pioneers in giving, sustainability, workplace equality, or transparency.

Remember, when purchasing from these companies your cash back will vary based on your Aspiration plan. If you’re on the regular, free plan you’ll earn between 3 and 5 percent cash back and if you’re on the Aspiration Plus plan you’ll earn 10% cash back.

Planet Protection

It’s no secret that driving our cars is one of the biggest contributors to climate change. With the Aspiration Planet Protection program; however, you’ll be able to drive your car as much as you want with a clean and clear conscience.

The Aspiration Planet Protection program purchases carbon offsets based on every gallon of gas you purchase with your debit card. This means that regardless of what kind of car you drive, you can rest assured that Aspiration will be neutralizing your carbon output.

This feature is only available with the Aspiration Plus plan.

IRA and Sustainable Investing Fund

Aspiration also makes investing easy by offering users professionally managed funds that are 100% free of any fossil fuel investment(s).

If you utilize this service your money is placed in the redwood fund (REDWX) which only invests in companies with sustainable environmental and employee practices. A $10,000 minimum is required.

Aspiration also allows its users to open an IRA through Redwood IRA. The same investment principles apply in that they only invest in sustainable businesses and companies who care about their employees. A $10,000 minimum is required.

Customer Sentiment and Reviews

Customer satisfaction with this financial firm is mixed and fairly average overall. This cash management product comes through for users with competitive rates, high FDIC-insurance and simplicity, but some users are frustrated with how often rewards, rates, and features change.

Customer service is said to be good and accessible and the online banking platform is generally thought to be more than sufficient—easy to use and complete.

To reach a customer support representative, call (800) 683-8529 during business hours of 6 AM – 6PM Pacific Time Monday through Friday and 8 AM – 4 PM Saturday and Sunday. You can also follow the corporation on Twitter, Facebook, and YouTube.

The mobile app for this firm is well-liked. The Aspiration app for Apple devices has a 4.8 star rating on the App Store and for Android devices has a 4.2 star rating on Google Play.

Are you a checking customer with HSBC yet? This could be good news for you. If you open a new eligible checking account with HSBC right now, you can qualify for a cash bonus of up to $500.

To be eligible for this bonus, you need to meet requirements for direct deposit transfer activity and cannot be an existing checking account customer with this bank. Is this checking account offer right for you? Let’s talk about why or why not.

How to Get a $500 Bonus

To qualify for the $500 welcome offer, you must open a new HSBC Premier Checking account. Then, you need to do the following:

• Receive a total of at least $10,000 in direct deposit transactions per month for three consecutive months after opening your account, starting with the second month your account is open.

After meeting this requirement, you will automatically receive your welcome bonus within eight weeks of qualifying. The direct deposit transactions must come from a third party such as an employer payroll or regular ACH transfer. Internal transfers, mobile deposits, and ATM deposits do not count.

There is no minimum balance or other activity requirement to qualify.

You must be a U.S. resident and at least 18 years old to be eligible for this offer. You will not qualify if you are an existing customer with HSBC (including checking and investment accounts) or had a deposit or investment accounts between March 31, 2019 and March 31, 2022, even if the account has since been closed. If you accept this offer, you will not be able to qualify for a future welcome offer with HSBC.

Be sure to use this link when opening your account to apply for the bonus offer. Note that this offer is only available online.

This offer is valid from now through June 30th, 2022. Open your account by this date to qualify. The account must be open and in good standing when the bonus is applied to your account.

HSBC Premier Checking Account Details

There is a $50 monthly maintenance fee that can be waived in one of three ways: 

• Maintaining an average daily balance of at least $75,000 across all your personal deposit and investment accounts with HSBC,
• Receiving at least $5,000 in recurring direct deposit transactions per calendar month, or
• Having an HSBC U.S. residential mortgage loan worth at least $500,000 when you opened it.

The fee will also be waived for you if you maintain Jade or Private Bank status. To reach Jade status, you need a combined relationship balance of at least $1,000,000 and this checking account needs to remain in good standing. To reach Private Bank status, you need an invitation from HSBC and your account will be reviewed by your Relationship Manager to determine your eligibility. You can ask about your eligibility without an invitation.

There are no minimum deposit or monthly balance requirements for this account.

This account includes up to five fee rebates per statement period when you use your debit card at non-HSBC ATMs and incur surcharges. You will not need to pay fees when using in-network ATMs in the U.S.

Technically speaking, this is an interest-bearing checking account. But it only earns 0.01% on all balance tiers at the moment, so it’s nothing to write home about. You need to have at least $5 in your account to earn interest. The national average rate for an interest checking account sits at 0.03%.

Note that the monthly direct deposit transfer requirement to qualify for the bonus offer is not the same as the minimum monthly direct deposit requirement to and waive the $50 maintenance fee. In other words, you can’t count the same direct deposit transactions twice to get the bonus and have the fee waived.

Opening an HSBC Premier checking account can start a Premier relationship with HSBC that comes with perks like professional support from a dedicated Relationship Manager, higher interest rates on savings accounts, and global perks like international banking services.

What about that higher savings yield? This account qualifies you for a relationship interest rate for the HSBC Premier Relationship Savings account. The relationship interest rate is currently 0.50% across all balance tiers. 

After linking your checking account with this savings account, you need to meet one of the following requirements each month to earn the relationship rate:

• Spend at least $500 with your HSBC Premier Debit World Mastercard or HSBC Debit Card on any transactions, excluding ATM withdrawals
• Receive at least $5,000 in qualifying direct deposit transactions into your HSBC Premier Checking account
• Have an HSBC U.S. residential mortgage loan worth at least $500,000 when you opened it
• Maintain Jade status

Otherwise, the standard APY for this savings account is just 0.05%. The national average rate for a savings account is 0.05% at the moment, for reference.

The HSBC Premier Debit World Mastercard charges no foreign transaction fees and you will not pay fees at most international HSBC ATMs.

Consider the HSBC Premier Credit Card to earn two points per dollar on all travel purchases and benefits like a TSA Pre-Check credit, phone protection up to $600, and global Wi-Fi.

Final Thoughts

This is a better bonus than most checking accounts are offering and that’s because it’s a bit harder to qualify for. This isn’t your average checking account. Far from free and certainly not basic, this account would be a good fit for anyone looking to do international banking or for premier customer service features. The HSBC Premier Checking account is pretty much your ticket to HSBC Relationship status.

This is not the account for you if you want a free and/or high-yield checking account. The $500 account bonus for new HSBC Premier Checking accounts is currently the only checking account offer available with HSBC.

In 2019, SunTrust Bank merged with BB&T (Branch Banking and Trust Company) to become Truist, now the sixth-largest bank by total assets in the U.S.

If you’re interested in becoming a customer, this could prove to be pretty lucrative. New customers who open an eligible Truist checking account can qualify for a cash bonus of up to $500. Read the fine print here and find out if an account with this bank is a good fit for your money and goals.

How to Get the $500 Bonus

Now through April 30th, 2022, you can qualify for a $500 cash bonus when you open a new qualifying checking account. 

These include the Truist Dimension Checking account, the Truist Bright Checking account, and the Truist Fundamental Checking account. There are only two things you need to do to get the bonus.

• First, you must enroll in this offer using the promo code TR1CHK22B to be eligible for this promotion when opening your new account.
• Next, you must successfully link direct deposit and receive at least $1,000 between two qualifying transactions in the first 90 days of having the account.

After meeting these requirements, you will receive your $500 automatically within four weeks of qualifying. All of these accounts can be opened fully online or you can present your promo code at a Truist branch location.

You will not be eligible for this bonus if you currently have a checking account with Truist Bank or have had a personal checking account with Truist Bank, BB&T, or SunTrust Bank and closed it on February 1st, 2021. 

Also, you must be a resident of one of the following states to qualify: Alabama, Arkansas, Georgia, Florida, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and DC.

Read more about each of the three qualifying checking accounts below.

Related: See 2022’s best checking account bonuses that do not require direct deposit set up.

Truist Dimension Checking Account

The minimum deposit required to open a new Truist Dimension Checking account is $50.

This account charges a $20 monthly maintenance fee that can be waived in one of three ways:

• Receiving at least $3,000 in direct deposit transactions per month or maintaining an average daily balance of $10,000 or more
• Having a personal Truist mortgage, credit card, or consumer loan (including LightStream products)
• Linking a Truist Small Business checking account with this account (eligible accounts include Truist Dynamic Checking, Business Interest Checking, Simple Business Checking, and Business Value 200)

The Dimension Checking account includes rewards that are determined by your tier with Dimension Premier being the highest rewards level. Your rewards level correlates with your account balance and comes with a certain amount of perks.

	Balance	Credit Card Bonus	Annual Fee	ATM withdrawals
Dimension Core	$0 – 25,000	10%	$95	1
Dimension Select	$25k – 100k	25%	$75	3
Dimension Premier	$100k+	50%	$25	Unlimited

The credit card loyalty bonus applies to the Truist Enjoy Cash credit card. This credit card earns 3% cash back on all gas purchases, 2% on utilities and groceries, and 1% on everything else. Or, you can opt instead to receive 1.5% cash back on everything (note that you must decide how you want to earn when opening and can’t change it later). There is no annual fee for this card and your loyalty cash bonus will be deposited  

New Delta SkyMiles Debit Cards are only available to Truist Dimension Checking and Wealth and Truist Asset Management Account Checking users. With the Dimension Checking account, you will earn one mile for every $2 you spend using your debit card for point-of-sale and signature-based purchases, plus an extra mile per $2 when you make travel purchases directly through Delta. You can earn up to 4,000 miles every 30 days with this card.

In addition to perks that are determined by your rewards level, this account comes with benefits for all users. These include having the monthly maintenance fee waived for a Truist Savings account, a $25 discount on safe deposit boxes, and having the monthly fee waived for up to four other Truist checking accounts when linked with this account. You can also activate Overdraft Protection to avoid fees.

This account also earns interest at a current rate of $0.01 across all balance tiers. To earn interest, you just need to maintain a positive balance in your account.

Truist Bright Checking Account

The minimum deposit required to open a new Truist Bright Checking account is $50.

This account charges a $12 monthly maintenance fee that can be waived in one of two ways:

• Receiving at least $500 in direct deposit transactions per month
• Maintain an average ledge balance of $1,500 or more

This is an everyday checking account with benefits such as overdraft protection services, free ATM transactions when you use in-network Truist ATMs, and bill pay features. 

If you opt in to Overdraft Coverage, Truist may cover transactions and withdrawals that overdraft your account and you will be expected to repay this. If you do not, transactions that would cause your account to have a negative balance are automatically declined. If you opt in to Overdraft Protection, Truist will withdraw funds from your linked deposit account to cover overdrafts at a fee of $12.50 per transfer (waived if you overdraft by less than $5).

The Truist Bright Checking account does not earn interest and there are no rewards tiers. This account is best for you if you plan to set up direct deposits, which you need to anyway to get the $500 bonus.

Truist Fundamental Checking Account

The minimum deposit required to open a new Truist Fundamental Checking account is $50.

This account charges a $5 monthly maintenance fee ($3 if you live in New Jersey) that cannot be waived regardless of your balance or activity. There is no minimum balance requirement for this account. 

The Truist Fundamental Checking account does not earn interest. The overdraft coverage and protection services mentioned above for the Truist Bright Checking account are also available for this account, with the same fees and requirements. Other than that, there are no additional benefits or rewards.

It’s a really basic checking account overall. There are many free checking accounts out there with similar features, so we don’t recommend this option for your primary checking needs. 

With that said, this could be a good choice for your first checking account or for teens to open jointly with a parent or guardian. There are more rewarding accounts out there for this, but the bonus offer could make it worth it.

Final Thoughts

If you’re looking for a checking account with a competitive interest rate, you won’t find it with Truist Bank. But this is one of the better bonus offers we’ve seen in a while considering the requirement is to receive just $1,000 in direct deposit transactions within 90 days. $500 is nothing to scoff at, especially when it’s this easy to get.

Although these checking accounts aren’t free, they are good options if you want rewards. With travel perks like a discounted Delta SkyMiles debit card and earning bonuses when you use your credit card, plus a variety of ways to waive the fee, we recommend the Truist Dimension Checking account.

TD Bank is offering a number of different account bonuses to new checking and savings account customers who open an account between now and October 31st, 2022.

Find out here how to qualify for a bonus of up to $500 (or at least $150) when you become a new customer with TD Bank. Is this national bank right for you?

How to Earn up to $500

You can earn anywhere from $150 to $500 when you open a qualifying TD Bank checking or savings account as a first-time customer. To get a bonus, you can either open one of two eligible checking accounts, one of two eligible savings, or a new checking account and a new savings account. How much you earn depends on which account or accounts you open.

First, let’s talk about the checking account offers. The two eligible checking accounts are the TD Convenience Checking and the TD Beyond Checking accounts. See the bonuses and requirements below. 

• Earn $150 when you open a new TD Convenience Checking account and receive at least $500 in qualifying direct deposit transactions within 60 days of opening.
• Earn $300 when you open a new TD Beyond Checking account and receive at least $2,500 in qualifying direct deposit transactions within 60 days of opening.

Qualifying direct deposit transactions include ACH transactions, paychecks from your employer, or Social Security deposits.

The TD Convenience Checking account is the most popular choice but the TD Beyond Checking account comes with more perks and benefits.

Next, the savings account offers. The two eligible savings accounts are the TD Beyond Savings and TD Simple Savings accounts. See the bonus requirement, which is the same for both accounts, below.

• Earn $200 when you open a new TD Beyond or TD Simple Savings account and deposit at least $20,000 within 20 days of opening. You must then maintain this balance for a total of 90 days after meeting the full deposit minimum of $20,000.

The TD Simple Savings account is the most popular choice but the TD Beyond Savings account comes with more perks and benefits. You cannot earn this bonus twice for opening both accounts.

Use this link when applying to qualify for the bonus. After meeting the requirements, your bonus will be deposited into your account within 140 days of when you opened it.

🔍 To earn the full $500 possible, you need to open a TD Beyond Checking account and either of the two savings accounts. Any combination of accounts and bonuses are permitted.

That said, the fee for either savings account is waived if you link a TD Beyond Checking account, so definitely consider this checking account if you’re planning on opening a savings account.

You cannot qualify if you already have a checking or savings account with TD Bank, have received a new account bonus from TD Bank in the past, or have had an account with TD Bank within the last 12 months (even if it is now closed). You will also not be eligible if you transfer money from any other TD Bank account into the new one. It must be new money.

This promotion expires on October 31st, 2022. If you successfully open a new account by this deadline, you can be eligible for the bonus offers.

TD Convenience and TD Beyond Checking Accounts

There is a $15 monthly maintenance fee for the TD Convenience Checking account that is waived when you maintain an average daily balance of at least $100. The fee is also waived if the primary account owner is between the ages of 17 and 23 years old.

The TD Convenience Checking account does not earn interest. There are no fees for using your debit card at TD Bank ATMs, no fees for transfers made through Zelle, and no fees for using Bill Pay features. This account offers overdraft services (note that there is an added fee for overdraft transfers if you are not younger than 23).

There is a $25 monthly maintenance fee for the TD Beyond Checking account that can be waived in one of three ways:

• Maintaining an average daily balance of at least $2,500
• Having a combined balance of at least $25,000 across all your deposit and mortgage accounts
• Receiving at least $5,000 in qualifying direct deposit transactions per statement period

There is no minimum opening deposit requirement for this account.

This is technically an interest-bearing checking account, but with a current APY of 0.01%, this is far from a competitive account. The national average interest rate for a checking account is 0.03% right now, and you can do a little better than that at other banks and credit unions. On the TD Beyond Checking account, you’ll earn interest as long as you have a positive balance in your account

There is no fee for using non-TD Bank ATMs and any fees you incur at out-of-network ATMs are reimbursed if you have a balance of $2,500 or more. Fees are also reimbursed or waived when you use the Rush Bill Payments feature to send your payments through faster, make up to two overdrafts per year, and make outgoing wire transfers. There is no foreign transaction fee when making purchases internationally or receiving incoming wires.

Savings Accounts

There is a $15 monthly maintenance fee for the TD Beyond Savings account that can be waived in one of two ways:

• Maintaining an average daily balance of at least $20,000
• Linking this account to a TD Beyond Checking account

This savings account currently earns an interest rate of 0.01% across all balance tiers. Any positive balance will earn interest. The national average interest rate for a savings account is 0.06% right now and this is far below what many banks and credit unions are offering, so this savings account isn’t a great choice if you’re looking for the highest interest rate possible.

You can qualify for a rate bump if you link a qualifying checking account. The following accounts are eligible:

• A personal or small business checking account with at least three customer-initiated deposits, withdrawals, transfers, or payments per month
• A personal or small business checking account with at least one direct deposit transaction per month
• A TD Bank Personal Mortgage, Home Equity, or credit card

Take a look at the adjusted APYs by balance with a relationship account.

TD Beyond Savings Relationship Bump Rates

There are no fees when you use your linked card at an in-network TD ATM and you will have fees from out-of-network ATMs reimbursed if your balance is at least $2,500. Other free services include money orders, bank checks, stop payments, and incoming wire transfers.

You can link this account to provide Overdraft Protection to any of your TD Bank checking accounts and have money transferred automatically from your savings to your checking when you overdraw your balance. 

There is a $5 monthly maintenance fee for the TD Simple Savings account that can be waived in one of five ways: 

• Maintaining an average daily balance of at least $300
• Linking this account to a TD Beyond Checking account
• Linking this account to a TD Convenience Checking account if you are under 24 years old
• Being under 18 years old or above the age of 62
• Making at least $25 in recurring transfers into this account from a linked TD Bank checking account (up to 12 months)

This account currently earns an interest rate of 0.02% on all balances. There is no minimum opening deposit or fee for using in-network ATMs. This account offers free online Bill Pay services

Final Thoughts

If you’re looking to open a new checking and savings account anyway, it wouldn’t be a bad idea to open with TD Bank to earn up to $500. These are solid checking and savings accounts … We recommend the TD Beyond Checking and TD Simple Savings accounts for maximum earnings potential and benefits. 

The fees for TD Bank checking and savings accounts are pretty average and there are many ways to waive them, making these good choices if you’re looking for a free option. We don’t recommend these accounts if your main goal is to earn interest as the rates are not competitive. Also, the savings bonuses in particular require high deposits/balances that you might find restrictive.