Documents and information TD Bank requires to open an account

To open a TD Bank account, you will need a government-issued photo ID, your Social Security number, and proof of your current address. TD accepts a driver's license, passport, or state ID as photo identification. For address verification, bring a recent utility bill, lease agreement, or bank statement dated within the last 60 days — the document must show your name and current address.

If you are opening an account in person at a branch, bring these documents with you. If you open online, you will upload images of your ID and address proof during the process. TD may ask follow-up questions about the source of your funds or your intended account use, particularly for business accounts or if you are depositing a large sum immediately.

Key Takeaways

  • You need a government photo ID, your Social Security number, and proof of address dated within 60 days to open any TD Bank account.
  • Opening in person at a branch takes about 15 to 20 minutes and lets you deposit money immediately; online opening takes a few days for verification.
  • TD offers checking, savings, and money market accounts with different minimum balance requirements and monthly fees depending on the account type.
  • If you do not have a Social Security number, TD may accept an Individual Taxpayer Identification Number (ITIN) instead, though you should call ahead to confirm.
  • Bring your documents to the branch or have them ready to photograph if opening online — missing documents will delay your account opening.

Opening an account in person versus online

Opening at a TD Bank branch in person is the fastest route if you want to use your account the same day. You walk in with your documents, complete a form, and a banker verifies your information on the spot. You can deposit cash or a check immediately and receive a debit card to order. The whole process usually takes 15 to 20 minutes. Your debit card arrives by mail within 7 to 10 business days.

Opening online through TD's website takes longer but requires no branch visit. You enter your information, upload photos of your ID and address proof, and TD verifies the documents — this step typically takes 1 to 3 business days. Once approved, you can log in and use the account, but you cannot deposit cash until your debit card arrives. If you need to deposit money before then, you can transfer funds from another bank account or wait for your card.

Minimum balances and account types

TD Bank offers several account types, and each has different opening requirements. A TD Checking account has no minimum opening deposit, though some checking products require you to maintain a minimum balance to avoid a monthly service fee — this varies by account tier. A TD Savings account also has no minimum to open, but again, maintaining a balance helps you avoid fees.

TD Money Market accounts typically require a higher opening deposit, often $2,500 or more, depending on current promotions and your location. Before you go to the branch or start an online application, check TD's website or call your local branch to confirm the current minimum for the specific account you want. Minimums and fee structures change, and your branch may have different offers than another location.

What happens after you open your account

Once your account is open, TD will issue you a debit card and online banking access. If you opened in person, you can start using online banking immediately with a temporary password; if you opened online, you receive login credentials by email once your account is verified. You can set up direct deposit, transfer money between your own accounts, and pay bills through TD's website or mobile app right away.

Your debit card arrives by mail within 7 to 10 business days. Until it arrives, you can withdraw cash at any TD ATM using your temporary card number or by visiting a branch. If you need cash before your card arrives and opened online, visit a branch with your ID and they can issue you a temporary card on the spot.

If you do not have a Social Security number

TD Bank may open an account for you using an Individual Taxpayer Identification Number (ITIN) if you do not have a Social Security number. An ITIN is issued by the IRS to people who file taxes but are not may be able to access for a Social Security number. You will need to bring your ITIN documentation along with your ID and proof of address.

Not every TD branch handles ITIN accounts the same way, so call ahead before you visit. If you are opening online, contact TD's customer service to confirm they can process your application with an ITIN. Some account types or features may not be available to ITIN holders, so asking in advance prevents a wasted trip or a rejected application.

What to bring if you are under 18

If you are under 18, you will need a parent or legal guardian to open an account with you. Bring your ID, Social Security number, and proof of address, just as an adult would. Your parent or guardian will also need to provide their ID, Social Security number, and proof of address. Both of you must be present at the branch or, if opening online, both must verify your identities during the process.

TD offers teen checking accounts with features designed for younger account holders, such as parental controls and spending limits. Ask your branch about these options when you open — they may have different requirements or paperwork than a standard account.

Common reasons your account opening gets delayed

The most common delay is missing or unclear documents. If your address proof is older than 60 days or does not clearly show your name and address, TD will ask you to provide another one. If your photo ID is expired, some branches will still accept it for opening purposes, but call ahead to confirm your branch's policy.

TD also runs a background check as part of opening any account. If there are discrepancies in your information — for example, your name spelled differently on different documents, or an address that does not match your ID — TD will contact you to clarify. This usually resolves in a day or two, but it can hold up your opening. Bring documents that match each other as closely as possible to avoid this step.

Frequently Asked Questions

Can I open a TD Bank account without a Social Security number?

Yes, if you have an ITIN issued by the IRS. Call your local TD branch first to confirm they accept ITIN accounts, because policies vary by location. You will need your ITIN documentation, a government photo ID, and proof of address, just as you would with a Social Security number.

How long does it take to get my debit card after I open an account?

If you open in person at a branch, your debit card arrives by mail within 7 to 10 business days. If you open online, the timeline is the same once your account is verified. You can withdraw cash at TD ATMs or visit a branch before your card arrives.

Do I need to deposit money when I open my account?

No. Most TD checking and savings accounts have no minimum opening deposit. However, some accounts require you to maintain a minimum balance each month to avoid a service fee. Check with your branch about the specific account you want to confirm whether a balance requirement applies.

What if my address proof is older than 60 days?

TD will not accept it. Bring a recent utility bill, lease, or bank statement dated within the last 60 days instead. If you do not have one, contact your utility company or landlord to request a current statement, or use an online bank statement if you have another bank account.

Can I open an account online if I do not have a scanner or printer?

Yes. Most smartphones can photograph documents clearly enough for TD to verify. Use your phone's camera to take photos of your ID and address proof, then upload them during the online application. Make sure the images are in focus and show all four corners of each document.