By: Luis Dominguez

Td banks which has been in business for over 150 years, who first opened in Portland and Maine in 1852. the bank later grew due to a series of mergers and became known as people banks in 1983, At the end of the nineties the had a chance to expand to new England with a few acquisitions and became know as north bank. In 2004 Bank north seemed to be interested in the TD Bank groups of Canada. which at the time it was a top 10 financial services company in North America. Over a short period of time after TD Bank Group became Banknorth’s majority shareholder. After wards the company became know as TD banknorth. In 2007 TD bank group completely bought banknorth over. So they were looking to take over the u.s area the decided to join forces with commerce bank in 2008. Then the company was renamed to td bank. Later in 2010 they acquired the south financial group inc which came with the Carolina First Bank in North and South Carolina and Mercantile Bank. Who were later rebranded to td bank. Today td bank is fouced on bringing their customers award winning services.

Locations: It’s a Regional bank, Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida.

Appealing to customers

They air commercial staring Regis and Kelly as their spokes person in their tv commercials.

BankingWith td bank you don't have to worry about

managing your money. They offer you: Easy access to your money Products that are simple to use Services to easily manage your finances

Bank whenever and wherever you want with free online banking, Bank by Phone and 24/7 Customer Service. You can access the many atms location from Maine to Florida.

About If you have a lot save up in deposits and want to earn the highest

possible rates, higher interest rate.

Fees 15$ monthly maintenance

Minimum opening deposit No minimum initial deposit required

Minimum balance10,000$

Ways to avoid feesIf you meet the minimum 10,000 daily balance or 62 years of age.

The monthly maintenance fee are waived.

About You get a competitive interest rate with a low minimum daily balance

requirement.

Fees4$ monthly maintenance fee

Minimum opening deposit No minimum initial deposit required

Minimum balance 250$

Ways to avoid fees monthly maintenance is waived if you keep the minimum balance or are

62 years of age.

About For the young saver in the family 18 or younger.

Fees4$ monthly maintenance fee

• Minimum opening depositNo minimum initial deposit required

Minimum balance 25o$

Ways to avoid fees Monthly maintenance fee waived if you meet the $250 minimum

daily balance requirement or are age 18 and under

About An easy way to save for anything you want electronics, vacation,

luxury items, etc.

Fees none

Minimum opening depositNo minimum initial deposit required

Minimum balance No minimum daily balance required

Ways to avoid fees No fees

About Plan a head for the holidays by making club payments thought the

year>

Fees none

Minimum opening deposit No minimum initial deposit required

Minimum balance No minimum daily balance required

Ways to avoid fees No fees

About Its good if you write checks, use TD ATMs and want online and

mobile banking, direct deposit and debit card.

• Minimum Opening deposit Not required

Fees Monthly maintenance fee 4$

Minimum balance No minimum balance requirement

About Get all the conveniences you need plus a low minimum balance

requirement that helps to reduce the risk of overdraft.

• Minimum Opening deposit not required

Fees

Monthly maintenance fee 15$

Minimum balanceNo minimum balance

Ways to avoid fees To avoid fees you need a minimum daily balance off 0f 100$

About If you're 60 years or older and want to earn interest. They also get

Free standard checks and money order.

• Minimum Opening deposit not required

Fees

Monthly maintenance fee 10$

Minimum balanceWays to avoid fees To avoid fees you need a minimum daily balance off 250$

About 18 year old and you are enrolled as a full time student. You a a free

convenience savings account and first order of check are free.

• Minimum Opening deposit not required

Fees No fees

Minimum balanceNo minimum balance required

About The higher you keep you balance the more interest you earn.

Minimum opening deposit not required

Fees

Monthly maintenance fee 25$

Minimum balanceNot requiered

Ways to avoid fees To avoid fees you need a minimum daily balance off 2500

About Keep a high account balance combined and you will get discount on

the rates, bank products and services. You get free check, money order, waivers on savings accounts and an additional checking's account. Transfer fees get waived because of overdraft protection.

Minimum Opening deposit not required

Fees Monthly maintenance fee 25$

Minimum balanceWays to avoid fees To avoid fees you need a minimum daily balance off 20,000$ combined.

Extra services

CD Online banking Mobile Banking Bill pay Individual Retirement Accounts (IRAs) Mortgage Home Equity Loans and Lines of Credit Personal Loans