Documents and information TD Bank 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 or savings 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 current address printed on it.

You will also need to bring or provide your contact information: a phone number and email address. TD Bank uses these to send account statements, fraud alerts, and password reset codes. If you are opening an account online or by phone, you can upload images of your documents rather than showing originals in person.

If you do not have a Social Security number, TD Bank offers accounts for non-U.S. citizens using an Individual Taxpayer Identification Number (ITIN) instead. You will still need a photo ID and proof of address. Some branches may ask additional questions about the source of your funds if you are opening an account with a large initial deposit, but this is standard anti-money-laundering procedure, not a barrier to opening the account.

Key Takeaways

  • Bring a government photo ID, your Social Security number, and a recent utility bill or lease showing your current address.
  • You can open an account in person at a branch, online through TD Bank's website, or by phone — each method requires the same documents but in different formats.
  • TD Bank offers accounts for non-U.S. citizens using an ITIN if you do not have a Social Security number.
  • The account opens when ready once TD Bank verifies your identity, though it may take one business day for your debit card to be ordered.
  • Minimum opening deposit varies by account type: some checking accounts require $25, while others have no minimum.

Opening an account in person at a branch

Bring your photo ID, Social Security number written down or memorized, and proof of address to any TD Bank branch during business hours. A banker will verify your information, ask you to sign account paperwork, and collect your initial deposit if you are making one. The whole process usually takes 15 to 20 minutes.

TD Bank branches are open Monday through Friday, with limited Saturday hours at most locations. You do not need an appointment, though calling ahead during busy times can save you a wait. Once the banker completes the paperwork, your account is active when ready — you can use it the same day if you brought a debit card order form, though the physical card itself arrives by mail in 7 to 10 business days.

Opening an account online

Go to tdbank.com and select "Open an Account" from the homepage. You will enter your name, address, phone number, and email, then upload images of your photo ID and proof of address. The system will ask for your Social Security number and initial deposit information. The entire process takes about 10 minutes.

TD Bank's system verifies your identity in real time using the information you provide. If verification succeeds, your account opens when ready and you receive a confirmation email with your account number and routing number. You can set up direct deposit or transfer money from another bank account right away. Your debit card ships within one business day and arrives in 7 to 10 business days.

If the online verification cannot confirm your identity — which sometimes happens if your address on file with the credit bureaus does not match your current address — TD Bank will ask you to visit a branch in person or call to complete the account opening over the phone with a banker.

Opening an account by phone

Call TD Bank's customer service line at 1-800-937-8372 and tell the representative you want to open a new account. They will ask the same questions as the online form: your name, address, Social Security number, phone, and email. You will need to read your photo ID and proof of address aloud so the representative can verify the information. This process takes 15 to 20 minutes.

Once the representative completes the account setup, your account is active. They will email you a confirmation with your account number and routing number. Your debit card will be mailed to you within one business day. This method works well if you prefer speaking to a person or if you do not have a scanner to upload documents online.

Minimum deposits and account types

TD Bank offers several account types, and the minimum opening deposit varies. The TD Bank Checking account requires a $25 minimum opening deposit. The TD Bank Savings account also requires $25 to open. The TD Bank Money Market account requires $2,500. If you do not have the minimum on hand, you can open the account with less and deposit the difference later, though some account features may be limited until you meet the minimum.

You do not need to maintain a minimum balance once the account is open — you can drop to zero dollars without penalty. However, if your account falls below certain thresholds, TD Bank may charge a monthly maintenance fee. The TD Bank Checking account waives the $15 monthly fee if you maintain a $500 balance or set up direct deposit of at least $250 per month.

What happens after you open the account

Your account is usable when ready for transfers, bill pay, and direct deposit. Your debit card arrives by mail within 7 to 10 business days. You can set up it by calling the number on the back of the card or through the TD Bank mobile app once it arrives. Until your physical card arrives, you can use your account number and routing number to set up direct deposit from your employer or another bank.

TD Bank will send you a welcome packet by mail with your account agreement, fee schedule, and information about online banking and the mobile app. You can log into your account online or through the app using your email address and a password you create during account setup. Your first statement arrives 30 days after account opening and can be viewed online or received by mail, depending on your preference.

Frequently Asked Questions

Can I open a TD Bank account if I do not have a Social Security number?

Yes. TD Bank accepts an Individual Taxpayer Identification Number (ITIN) instead. You will still need a government photo ID and proof of your current address. The process is the same whether you use an SSN or ITIN.

Do I need to bring original documents or can I use copies?

If you open in person, bring originals so the banker can verify them. If you open online or by phone, you upload or describe images of the documents — TD Bank does not need the physical originals at that time, though they may request them later if they cannot verify your identity.

How long does it take for my debit card to arrive?

Your debit card ships within one business day of account opening and arrives by mail in 7 to 10 business days. You can use your account for transfers and bill pay when ready while you wait for the card.

What if I do not have proof of address?

Proof of address must be a document dated within the last 60 days showing your name and current address. If you do not have a utility bill or lease, a recent bank statement, credit card statement, or government mail works. If you have none of these, visit a branch in person — a banker can sometimes verify your address through other means.

Can I open more than one account at the same time?

Yes. You can open a checking account and a savings account in the same visit or process. Some people open a checking account for daily spending and a savings account for goals. Each account has its own number and can be managed separately.