You can open some TD Bank accounts online, but not all of them
TD Bank lets you open a checking or savings account through their website or mobile app without visiting a branch. The process takes about 10 minutes and you can fund the account immediately. However, you cannot open certain products online—some accounts and services still require a phone call or in-person visit.
The accounts available online vary slightly by state. TD operates in the Northeast and Mid-Atlantic, and a few states have restrictions on which products can be opened remotely. Before you start, check whether your state is in TD's service area.
Key Takeaways
- TD Bank's checking and savings accounts can be opened online in most states, and you can fund them the same day using a linked external bank account or debit card.
- You will need a Social Security number, valid government ID, current address, and an initial deposit amount (which varies by account type) to complete the online process.
- Some account types—such as certain business accounts and specialty products—cannot be opened online and require a phone call or branch visit.
- The online application asks for identity verification, and TD may request additional documents by email if their system cannot verify you immediately.
What you need before you start
Gather these items before opening your browser: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your current address, and an email address. TD will verify your identity using the information you provide, and they cross-check it against public records.
You will also need a way to fund the account. TD accepts transfers from an external bank account (which takes one to two business days to clear) or an immediate debit card payment. If you use a debit card, the funds appear in your new TD account right away, though the transaction itself may take a few hours to process.
Know the minimum opening deposit for the account type you want. TD's requirements change periodically and vary by product, so check their website for the current amount before you begin.
The online application process, step by step
Start at TD Bank's website or open their mobile app and select "Open an Account." You will choose between checking and savings, then answer questions about your personal information: name, date of birth, address, phone number, and Social Security number. This takes about five minutes.
Next, TD asks you to verify your identity. They may ask security questions based on your credit history, or they may request a photo of your ID. If you pass this step, you move directly to funding. If TD cannot verify you automatically, they will email you a link to upload documents—usually a photo of your ID and sometimes a recent utility bill or bank statement showing your address.
Once identity verification is complete, you choose how to fund the account. If you link an external bank account, TD provides your new account number and routing number immediately, and you can transfer money from your other bank. If you pay by debit card, the money lands in your TD account within hours.
You will receive a confirmation email with your account number and login credentials. Your debit card ships within five to seven business days.
What happens if TD cannot verify you online
If the automated system flags your application, TD will send you an email with instructions to upload documents. This usually means providing a clear photo of both sides of your ID and proof of your current address. A utility bill, lease, or recent bank statement works for the address.
Upload these documents through the link TD provides. The review typically takes one to three business days. If TD approves you, you will receive another email with your account details and can fund it immediately. If they need more information, they will contact you by phone or email.
In rare cases, TD may ask you to visit a branch or call their verification team. This happens when the documents you provide do not match their records or when there are fraud concerns. The phone number is in the email TD sends you.
Account types you cannot open online
TD Bank business accounts, including sole proprietorships and LLCs, cannot be opened online. You must call TD's business banking line or visit a branch with your business license, EIN, and personal ID.
Specialty accounts—such as TD's investment accounts, brokerage services, or accounts tied to specific programs—also require a phone call or branch visit. If you are unsure whether your desired account type is available online, call TD customer service at the number on their website or ask in a branch.
Funding your account after it opens
If you funded your account during the application using a debit card, you are done—the money is already there. If you linked an external bank account, the transfer takes one to two business days to arrive, depending on your other bank's processing speed.
After your account is open, you can add money anytime through TD's app or website by transferring from another bank account, depositing a check through mobile deposit, or visiting an ATM. TD's ATM network is extensive in their service area, and you can also deposit cash at any TD branch.
What to do if your application is denied
TD may deny your application if you have an outstanding negative balance at another bank, a history of fraud, or if they cannot verify your identity after requesting documents. If this happens, TD will email you an explanation and a phone number to call.
Call that number to ask why you were denied and whether you can reapply. Some denials are temporary—for example, if there is a name mismatch or address issue that can be corrected. Others, such as fraud history, may be permanent. TD can tell you which applies to your situation.
If you are denied, you can still open an account in person at a branch. Bring your ID and the documents TD requested. A banker can sometimes override an online denial or help you resolve the issue that caused it.
Frequently Asked Questions
How long does it take to open a TD Bank account online?
The application itself takes about 10 minutes. If TD verifies you automatically, your account is active within minutes and you can fund it right away. If they need to review documents, add one to three business days. Your debit card arrives in five to seven business days after approval.
Can I open a TD Bank account if I do not have a Social Security number?
No. TD requires a Social Security number or ITIN (Individual Taxpayer Identification Number) to open any account. If you have an ITIN, you can use it in place of an SSN during the application. Call TD to confirm they accept ITINs before you apply.
What if I do not have a government ID?
You cannot open an account online without a valid government-issued ID. You can visit a branch in person with an alternative form of ID—such as a passport, military ID, or state ID—and a banker may be able to help you. Call ahead to ask what forms of ID your local branch accepts.
Can I open a joint account online?
No. Joint accounts must be opened in person or over the phone. Both account holders need to verify their identity, and TD requires signatures from both parties. Call TD's customer service line or visit a branch to open a joint account.
What if I already have a TD Bank account and want to open another one?
You can open a second account online using the same process. Log into your existing account, or start a new application with the same email address. TD will recognize you and may skip some verification steps, though they will still ask for your Social Security number and ID information.