TD Current Accounts provide customers with access to an extensive network of branches and ATMs on the East Coast. But you won`t find free verification with TD Bank`s three general options. There is either a minimum daily credit requirement or a monthly fee. Large institutions like TD Bank usually have a large network of branches and ATMs. However, their current accounts tend to have lower interest rates and higher monthly fees compared to online banks. The best online banks can`t compete with the big banks in the number of branches, but they usually offer access to large independent ATM networks. The business checking account that rewards your TD bank relationship No fees if your account is $5 or less exceeded.