TD Bank ITIN Account 2026: Open Checking on the East Coast with ITIN

What Is TD Bank and Why Do ITIN Holders Choose It?

TD Bank is the 10th largest bank in the United States with $400 billion in US assets, operating 1,100+ branches concentrated on the East Coast. ITIN holders choose TD Bank for its low $5.99/mo fee (waivable at just $100 balance), extended branch hours, and Sunday availability.

TD Bank by the Numbers

• 1,100+ branches across 15 East Coast states + DC
• 2,600+ fee-free TD ATMs
• $400 billion in US assets (10th largest US bank)
• $5.99/mo Simple Checking fee (waivable at $100 balance)
• Extended hours: open until 8 PM weekdays
• Sunday hours at most branches (8 AM to 2 PM)
• $0 for Zelle person-to-person transfers
• $250,000 FDIC insurance per depositor

TD Bank's key advantage for ITIN holders is convenience. The $100 balance requirement for fee waiver is the lowest among all major US banks. Extended hours mean you can visit a branch after work or on Sundays. TD Bank is a subsidiary of Toronto-Dominion Bank, one of Canada's largest financial institutions, so it has strong experience serving international customers.

Does TD Bank Accept ITIN Holders for Checking Accounts?

Yes. TD Bank accepts ITIN holders for personal checking, savings, and CD accounts. You must open your account in person at a TD Bank branch on the East Coast.

TD Bank Account Types for ITIN Holders

TD Bank offers 4 personal checking accounts to ITIN holders. TD Simple Checking ($5.99/mo, waivable at $100 balance) is the most affordable option. TD Convenience Checking ($15/mo, waivable at $100 balance or $500 DD) adds paper checks. TD Premier Checking ($25/mo, waivable at $2,500 balance) includes free money orders and cashier's checks. TD Beyond Checking ($25/mo, waivable at $2,500 balance) adds preferred rates and fee waivers.

East Coast Coverage

TD Bank operates in 15 states: Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, North Carolina, South Carolina, and Florida, plus Washington, DC. If you live outside the East Coast, consider Chase Bank (48 states) or Wells Fargo (36 states) for broader coverage.

What Documents Do You Need to Open TD Bank with an ITIN?

3 documents are required to open a TD Bank account with an ITIN. Have all originals ready before visiting a branch.

• ITIN letter (CP565 or CP565B): Your original IRS letter confirming your ITIN assignment. This serves as your tax identification. Learn about obtaining your ITIN through our W-7 form guide.
• Valid passport: Your current, unexpired passport from your home country. TD Bank uses this as your primary photo identification. A consular ID (matricula consular) or state-issued ID is accepted as additional identification.
• Proof of US address: A utility bill, bank statement, lease agreement, or government correspondence dated within the last 60 days. Your address must be in a state where TD Bank operates.

How Do You Open a TD Bank Account with an ITIN?

The process takes 5 steps and approximately 20 to 30 minutes at a TD Bank branch.

1. Find your nearest TD Bank branch. Use the branch locator at td.com/us/en/personal-banking/find-nearest. TD Bank operates 1,100+ branches across the East Coast. Branches are open Monday to Friday 8 AM to 8 PM, Saturday 8 AM to 5 PM, and Sunday 8 AM to 2 PM at most locations.
2. Bring your 3 required documents. ITIN letter (CP565), valid passport, and proof of US address dated within 60 days. Bring originals, not copies.
3. Meet with a TD Bank teller or banker. Tell them you want to open a personal checking account using your ITIN. The banker will verify your documents and enter your ITIN as your tax identification number.
4. Choose your account type. Select Simple Checking ($5.99/mo, waivable at $100), Convenience Checking ($15/mo), Premier Checking ($25/mo), or Beyond Checking ($25/mo). Simple Checking is the best option for most ITIN holders.
5. Make your initial deposit and receive your debit card. TD Bank requires no minimum opening deposit for Simple Checking. Deposit at least $100 to immediately waive the monthly fee. TD Bank issues a temporary debit card at the branch. Your permanent Visa debit card arrives within 5 to 7 business days.

What Features Does TD Bank Offer ITIN Account Holders?

TD Bank provides ITIN holders with 6 key features that make it the most convenient East Coast bank.

Extended Branch Hours

TD Bank offers the longest branch hours of any major US bank. Most branches are open 8 AM to 8 PM Monday to Friday, 8 AM to 5 PM Saturday, and 8 AM to 2 PM Sunday. This is 3+ hours longer than Chase, Bank of America, and Wells Fargo branches.

Lowest Fee Waiver Threshold

TD Simple Checking waives its $5.99/mo fee at just $100 minimum daily balance. This is the lowest fee waiver threshold of any major US bank. For comparison: Chase requires $1,500, Bank of America requires $1,500, and Wells Fargo requires $1,500 for balance-based fee waivers.

TD Global Transfer

TD Bank offers TD Global Transfer for international remittances to India, Mexico, Philippines, and other countries. Transfer fees start at $5 per transaction, significantly lower than standard international wire fees of $40 to $50. Transfers are initiated through the TD Bank mobile app or online banking.

TD Bank Mobile App

The TD Bank mobile app supports mobile check deposit, bill pay, Zelle, account transfers, and TD Global Transfer. Rated 4.6 stars on the App Store. ITIN holders get full app access including card controls, spending notifications, and fingerprint login.

Penny Arcade Coin Counting

TD Bank branches feature Penny Arcade coin-counting machines available to account holders at $0 cost. Non-customers pay a percentage fee. This free service is useful for ITIN holders in cash-heavy businesses or jobs where tips are received in coins.

Cross-Border Banking (US and Canada)

TD Bank operates in both the US and Canada. ITIN holders with connections to Canada can open accounts in both countries for easy cross-border transfers. TD offers preferential exchange rates for transfers between US and Canadian TD accounts.

What Does TD Bank Cost for ITIN Holders?

TD Bank charges identical fees to ITIN and SSN holders. Here is the complete fee schedule as of April 2026.

How Does TD Bank Compare to Chase and Citibank for ITIN Holders?

All three banks accept ITINs for personal checking. TD Bank offers the lowest fee waiver threshold and longest hours. Here is a side-by-side comparison.

For detailed comparisons, see our Chase Bank ITIN guide and Citibank ITIN guide. For all options, visit our ITIN bank account guide.

Who Should Use TD Bank with an ITIN?

TD Bank is the best fit for 4 types of ITIN holders.

ITIN Holders on the East Coast

TD Bank's 1,100+ branches span from Maine to Florida. East Coast ITIN holders benefit from extensive branch coverage, extended hours, and Sunday availability. TD Bank is the dominant regional bank in the Northeast and Mid-Atlantic.

ITIN Holders Who Work Non-Standard Hours

TD Bank branches open at 8 AM and stay open until 8 PM weekdays. Sunday hours (8 AM to 2 PM) are available at most locations. This is ideal for immigrant ITIN holders who work standard 9-to-5 schedules and cannot visit a bank during typical hours.

ITIN Holders with Low Balances

TD Bank's $100 balance requirement for fee waiver is the lowest among major banks. ITIN holders who maintain just $100 in their account pay $0 in monthly fees. This compares favorably to Chase ($1,500), Bank of America ($1,500), and Wells Fargo ($1,500) balance requirements.

ITIN Holders with Canada Connections

TD Bank operates in both the US and Canada. ITIN holders who also have Canadian banking needs can manage cross-border finances through TD's integrated US-Canada banking platform with preferential exchange rates.