TD Bank

Does TD Bank have Zelle? Yes. TD Bank offers Send Money with Zelle for most personal checking and money market accounts, in the app and in Online Banking, with consumer limits of $2,500 per day and $10,000 per month. A domestic wire costs $30 to send and $15 to receive, and a domestic wire that reaches TD before 5:00 PM ET typically arrives the same day.

At a glance

• ZelleYes, in the app and Online Banking
• Zelle limits$2,500 per day, $10,000 per month
• Domestic wire out$30
• Incoming wire$15 (domestic and international)
• International wire out$25 in foreign currency, $50 in USD, plus correspondent fees
• Wire cutoff5:00 PM ET for same-day domestic wires

Sources: TD Bank Personal Fee Schedule · TD External Transfer and Send Money terms · TD help: domestic wire timing · Checked on September 27, 2026

Zelle at TD Bank

TD says Send Money with Zelle “is available for most personal checking and money market accounts.” In the TD app, select Send Money. In Online Banking, go to Transfers, then Send Money with Zelle.

Consumer limits under TD’s External Transfer and Send Money terms, effective June 16, 2026:

• Delivery within minutes: up to $2,500 per day and $10,000 per month.
• Delivery in up to 3 business days: up to $2,500 per day and $10,000 per month.
• Monthly maximum: $10,000.

TD’s help FAQ and the April 2025 terms still show the earlier within-minutes limits of $1,000 per day and $5,000 per month.

Zelle is free at TD: the fee schedule lists delivery within minutes and standard delivery as free. To send money that arrives within minutes, TD requires a TD Bank Visa Debit Card.

Source: TD External Transfer and Send Money terms, effective June 16, 2026 · TD digital payments · Checked on September 27, 2026

Wire transfers at TD Bank

A domestic wire that reaches TD’s system before 5:00 PM ET typically arrives the same day. A wire sent after 5:00 PM ET, or on a Saturday, Sunday or federal holiday, is delivered the next business day.

TD Beyond Checking reimburses one outgoing wire fee (domestic or international) per statement cycle; TD Private Tiered Checking reimburses five. The incoming wire fee is waived for TD Beyond Checking, TD Private Tiered Checking and TD Private Tiered Savings.

Source: TD Bank Personal Fee Schedule, effective July 2026 · Checked on September 27, 2026

External transfers (ACH)

External transfers are free. Consumer limits:

TD also sets a “$20,000 monthly maximum limit for inbound and outbound transfers combined.”

Source: TD External Transfer and Send Money terms, effective June 16, 2026 · Checked on September 27, 2026

If a transfer is late or went wrong

A Zelle payment that has not arrived is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and for fraud, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for bank-to-bank transfers, ACH transfer pending. Contact TD Bank through the number on your card or in the TD app.

Fees and limits can differ by account type; your account agreement is the final word.