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 will 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.
The catch is that TD Bank still requires you to verify your identity in real time during signup. This means you will need a valid government ID (driver's license, passport, or state ID), your Social Security number, and a way to confirm who you are — either by answering security questions based on your credit history or by taking a photo of your ID. Some account types also require an initial deposit before you can complete the signup.
If you already have a TD Bank account, opening a second one online is faster because the bank already has your information on file.
Key Takeaways
- TD Bank's standard checking and savings accounts can be opened entirely online through their website or app without visiting a branch.
- You will need a valid government ID, your Social Security number, and proof of identity during the signup process.
- Most new accounts are ready to use the same day, though some transactions may take longer to process.
- Certain account types, like student or senior accounts, may have different online signup rules or require a branch visit.
- If you do not have a Social Security number, you will need to open an account in person at a TD Bank branch.
What you need before you start
Gather these items before you begin the online signup: a valid government-issued photo ID (U.S. driver's license, passport, or state ID), your Social Security number, and your current address. TD Bank will ask for your date of birth, email address, and phone number as well.
You will also need a way to fund your account. TD Bank does not require a minimum opening deposit for all account types, but some accounts do. If you plan to fund the account by transferring money from another bank, have that account's routing and account numbers ready. If you want to deposit a check using mobile deposit, you can do that after your account is open.
If you do not have a Social Security number — for example, if you are a non-citizen — you cannot complete the online signup. You will need to visit a branch in person and bring an ITIN (Individual Taxpayer Identification Number) or other government-issued ID instead.
The online signup process, step by step
Start by going to TD Bank's website or opening their mobile app. Look for the button that says "Open an Account" or "New Customer." You will be asked to choose which type of account you want: checking, savings, or money market. Select the one that fits your needs.
Next, enter your personal information: name, date of birth, Social Security number, address, email, and phone number. TD Bank will ask whether you want paperless statements (email only) or paper statements mailed to your address. You can change this later.
Then comes identity verification. TD Bank will ask you to either answer security questions about your credit history or take a photo of your ID using your phone or computer camera. If you choose the photo route, make sure the ID is clearly visible and not expired. This step usually takes two to three minutes.
After verification, you will set up your login credentials: a username and password, plus a security question and answer. TD Bank will also ask if you want to set up online bill pay and mobile banking features right away. You can skip these and set them up later.
Finally, you will review the account terms and conditions, then confirm your signup. Your account number will appear on screen when ready. You can start using your debit card (if one is issued) and online banking right away, though the physical card itself will arrive in the mail within 7 to 10 business days.
When your account is ready to use
Your TD Bank account is active the moment you finish the online signup. You can log in to online banking, set up bill pay, and transfer money between accounts when ready. If you funded the account with a transfer from another bank, that money will arrive within one to three business days depending on the other bank's processing time.
Your debit card will arrive in the mail within 7 to 10 business days. Until it arrives, you can still withdraw cash at any TD Bank ATM using your online banking login and a temporary digital wallet option on your phone, or you can visit a branch with your ID to withdraw cash.
Checks take longer. If you order checks through TD Bank's online banking portal, they will arrive in 7 to 14 business days. Some people use mobile deposit (photographing a check through the app) instead, which is faster and does not require physical checks.
Account types you can open online
TD Bank's standard Checking Plus and Savings Plus accounts can be opened online with no minimum opening deposit. These are the most common accounts and have no monthly fee if you meet basic requirements like setting up direct deposit or maintaining a minimum balance.
TD Bank also offers Money Market accounts online, which pay higher interest rates but usually require a larger opening deposit (often $2,500 or more, though this varies). You can open these online if you meet the deposit requirement.
Student accounts and Senior accounts may have different rules. Some TD Bank locations let you open these online, but others require a branch visit to verify your student status or age. Call TD Bank at 1-800-937-8372 before you start if you think you may have access to for either type.
Business accounts cannot be opened online. If you need a business checking or savings account, you will need to visit a branch in person with your business license, EIN, and personal ID.
What happens if the online process does not work
If your identity verification fails, TD Bank will tell you why and give you the option to try again or visit a branch. Common reasons for failure include a mismatched address, an expired ID, or a photo that is too blurry. If you try again, make sure your address matches what is on file with the credit bureaus.
If you cannot complete the online signup for any reason, you can open an account in person at any TD Bank branch. Bring your ID, Social Security number, and proof of address (a utility bill or lease works). A branch employee can open the account on the spot, and you can fund it when ready.
If you have questions during the signup process, TD Bank offers live chat support on their website during business hours, or you can call 1-800-937-8372. Have your ID and Social Security number ready when you call.
Frequently Asked Questions
Do I need to visit a branch at all if I open my account online?
No. You can open an account, fund it, and use it entirely online. You only need to visit a branch if you want to deposit cash, withdraw large amounts of cash, or if the online signup does not work for some reason.
How long does it take to open an account online?
The signup process itself takes 10 to 15 minutes. Your account is active when ready after you finish. However, if you fund the account by transferring money from another bank, that transfer takes one to three business days to arrive.
Can I open a TD Bank account online if I do not have a Social Security number?
No. You must have a Social Security number to complete the online signup. If you have an ITIN instead, you will need to open the account in person at a TD Bank branch.
What if my debit card does not arrive within 10 days?
Contact TD Bank at 1-800-937-8372 with your account number. They can check the status of your card and reorder it if needed. In the meantime, you can withdraw cash at TD Bank ATMs using your online login or visit a branch with your ID.
Can I open a business account online?
No. Business accounts must be opened in person at a TD Bank branch. You will need your business license, EIN, and personal ID. A branch employee will help you choose the right business account and set it up.