Compared with Delaware
8 of 10
compared fees are above the median.
1 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
100th percentile; peer median 4.2%
FDIC call report data · Jun 30, 2026
Fees above the Delaware median
of 10 compared; 1 below, 1 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for TD Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 15 banks with over $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Delaware median | Published fees above the Delaware median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | TD Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 8.4% of revenue, above the 4.2% median of 15 banks with over $250B in assets (100th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $249.2M in Q2 2026, 6.3% above the same quarter a year earlier ($234.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 10 compared published fees sit above the Delaware median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Delaware medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $20, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Delaware, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $249.2M. Its share of revenue, 8.4%, is above the 4.2% median for banks with over $250B in assets.
$249.2M
TD Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $15 to $25; we compare the midpoint.
TD Bank, National Association · $342.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| TD Bank, National Association(this institution) | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ally Bank | Sandy, UT | $188.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Express National Bank | Sandy, UT | $213.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BMO Bank National Association | Chicago, IL | $255B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Charles Schwab Bank, SSB | Westlake, TX | $250.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morgan Stanley Private Bank, National Association | Purchase, NY | $250.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Northern Trust Company | Chicago, IL | $178.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $20, the middle of its two prices, against a peer median of $10 among 17 publishing peers.
Its two checking prices are $15 and $25.
$20 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for TD Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $249.2M | +$14.2M | +6.1% |
| Q1 2026 | $235.0M | −$2.2M | −0.9% |
| Q4 2025 | $237.2M | −$11.1M | −4.5% |
| Q3 2025 | $248.3M | +$13.8M | +5.9% |
| Q2 2025 | $234.4M | +$7.8M | +3.4% |
| Q1 2025 | $226.6M | +$2.3M | +1.0% |
| Q4 2024 | $224.4M | +$16.5M | +7.9% |
| Q3 2024 | $207.9M | −$18.8M | −8.3% |
Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, TD Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to TD Bank, National Association by share.
Amounts from TD Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per month
per month
per item
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New TD Beyond Checking customers Monthly fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excess withdrawal (per item – for Club accounts only) | $3Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Paper statement (per statement cycle, TD Essential Banking only) | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper statement (per statement cycle) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Fee per overdraft (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Expedited debit card delivery | $32Not compared: Daily charge, not per item | per day | None |
| International transaction fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing wire (domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing wire (international - foreign currency) plus exchange rate, taxes and correspondent fee(s) | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Outgoing wire (international- USD) plus exchange rate, taxes and correspondence fee(s) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Check & ACH Stop Payment (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Rush Bill Payment | $2Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Levy/legal order | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where TD Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
1,050 offices in 16 states, $277.7B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 115 | $91.6B | |
| 350 | $89.8B | |
| 88 | $17.8B | |
| 78 | $10.8B | |
| Outside a metro area | 44 | $7.9B |
| 37 | $5.9B | |
| 20 | $3.9B | |
| 16 | $3.6B |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
13.4% of bank deposits, #2 of 88, down 14.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 45.7% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
| TD Bank USA, National Association | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, TD Bank, National Association holds 13.4% of bank deposits, #2 of 88, with 115 offices.
The fee comparison uses its home metro, New York-Newark-Jersey City, NY-NJ.
899 offices of 27 institutions shown.
Showing 899 of 1,635 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 88 institutions shown. $685.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 13.4% share, 115 offices, #2 of 88
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
309 offices of 89 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
5,108 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Incorrect information on your report | 932 |
| Managing an account | 762 |
| Problem with a company's investigation into an existing problem | 365 |
| Problem with a purchase shown on your statement | 341 |
| Took or threatened to take negative or legal action | 328 |
| Improper use of your report | 280 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
1 order with no end date on file
OCC
BSA Independent Testing/Audit; BSA Internal Controls; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); SAR/CTR Monitoring/Filing Issue
Past
OCC, penalty $450.0M
BSA Independent Testing/Audit; BSA Internal Controls; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); SAR/CTR Monitoring/Filing Issue
OCC, penalty $37.5M
BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; SAR/CTR Monitoring/Filing Issue
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
TORONTO DOMINION BANK (NYSE: TD)
Source: SEC EDGAR filings and XBRL financial data, CIK 947263. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.