Yes, you can start a TD Bank account online, but you cannot finish it there
TD Bank allows you to begin the account opening process on their website or mobile app, but you will need to visit a branch or complete a video call with a representative to finish. The online portion takes about 10 minutes and collects your basic information—name, address, Social Security number, employment details, and initial deposit method. The in-person or video step verifies your identity and activates the account, which typically happens the same day or within one business day.
Which accounts you can open online depends on the account type. TD Bank's basic checking and savings accounts can be started online. Some specialty products—like their investment accounts or certain business accounts—require a branch visit from the start. Before you begin, check TD Bank's website to confirm the specific account you want is available for online opening.
Key Takeaways
- You can complete the first part of account opening online through TD Bank's website or app, but you must finish in a branch or via video call to activate the account.
- Bring a government-issued photo ID and proof of address (utility bill, lease, or bank statement) to your branch appointment or have them ready for your video call.
- The entire process from start to finish usually takes one to three business days once you complete the in-person or video verification step.
- TD Bank's online opening works for checking and savings accounts; some products like investment or business accounts may require a branch visit to begin.
What information you need before you start
Gather these documents and details before opening your browser. You will need your Social Security number, date of birth, current address, and phone number. Have a government-issued photo ID ready—a driver's license, passport, or state ID card all work. You will also need proof of your current address, such as a recent utility bill, lease agreement, or bank statement showing your name and address.
If you plan to fund the account immediately, have your bank account information ready (the routing and account number from another bank) or a debit card number. Some customers prefer to bring cash to the branch instead, which is also accepted. If you are opening an account for a minor, you will need to bring the child's birth certificate and your own ID to the branch.
The online portion: what happens in the app or website
Start on TD Bank's website or download their mobile app and select "Open an Account." You will enter your name, address, date of birth, and Social Security number. The system checks this information against fraud databases and your credit history—this is a soft pull and does not affect your credit score. You will also answer questions about your employment and income, though these are optional for basic checking accounts.
Next, you choose which account type you want (checking, savings, or both) and select any promotional offers if available. You will set up online banking credentials—username and password—so you can access the account once it is active. At the end, the system shows you a summary and asks you to review and accept the account agreement. Do not close the browser or app yet; you will need the confirmation number for your next step.
Completing verification in a branch or on video
After you finish the online portion, TD Bank will tell you whether you can complete verification by video or must visit a branch. Video verification is available in most states and takes 10 to 15 minutes. You will speak with a TD Bank representative who will ask you to show your photo ID and proof of address on camera. They will verify the information matches what you entered online and ask a few security questions.
If you choose to visit a branch instead, bring your photo ID, proof of address, and the confirmation number from your online session. The branch representative will verify your identity the same way and may ask about the source of your initial deposit if it is large. Once verification is complete, your account is active and you can use it immediately, including setting up direct deposit or transfers from another bank.
Funding your new account
You can fund your account during the online process, after verification, or not at all—there is no minimum deposit required to open most TD Bank checking or savings accounts. If you enter bank details online, the transfer usually posts within one to three business days. If you prefer to fund in person at the branch, you can deposit cash, a check, or arrange a transfer while you are there.
Some promotional offers require a minimum deposit or direct deposit within a certain timeframe to earn the bonus. Read the terms carefully before you start, because missing the deadline means you lose the offer. If you are unsure whether your deposit method qualifies, ask the branch representative or the video representative before you leave.
What happens if you cannot visit a branch
If video verification is not available in your state or you cannot reach a branch, contact TD Bank customer service at 1-800-937-8376 to discuss your options. Some states have restrictions on video verification, and TD Bank may offer alternative methods like mailing in copies of your ID and proof of address. This route takes longer—typically five to ten business days—because documents must be received, reviewed, and processed by mail.
If you are opening an account while traveling or living outside the United States temporarily, call the customer service number above before you start the online process. TD Bank can tell you whether your situation qualifies for remote opening and what documents they will need.
Timeline from start to finish
If you complete the online portion and verify in person or by video the same day, your account is active by end of business that day or the next morning. If you verify by video within a few days, expect the account to be active within one business day of your video call. If you mail in documents, add five to ten business days for processing.
Once your account is active, you can log into online banking immediately and set up bill pay, transfers, or direct deposit. Debit cards are usually mailed within five to seven business days, though you can request expedited shipping at the branch or during your video call for a fee. You can also use your account number to set up transfers or direct deposit before your card arrives.
Frequently Asked Questions
Do I need a minimum deposit to open a TD Bank account online?
No. Most TD Bank checking and savings accounts have no minimum deposit to open. However, some promotional offers require you to deposit a certain amount or set up direct deposit within a specific timeframe to earn the bonus. Check the terms of any offer before you start.
Can I open a business account online?
TD Bank's business account opening typically requires a branch visit or phone call to start, not online. Contact your local branch or call 1-800-937-8376 to begin opening a business account. You will need your business license, EIN, and personal ID.
What if I do not have a Social Security number?
TD Bank requires a Social Security number or ITIN (Individual Taxpayer Identification Number) to open an account. If you have an ITIN, you can use that instead. If you do not have either, visit a branch to discuss other options, though availability may be limited.
Can I open an account for someone else online?
No. The person whose name is on the account must complete the online portion and verification themselves. If you are opening an account for a minor, you will be the account owner or co-owner, and you must complete the process. The minor's information is added during the branch visit.
What if my online application is denied?
TD Bank will tell you why during or after the online process. Common reasons include fraud concerns, ChexSystems issues, or a closed account history. Call 1-800-937-8376 to ask what triggered the denial and whether you can appeal or reapply after addressing the issue.