TD Bank

Branches: 1,300 in 15 states and D.C.

Why it’s a winner: The best interest rates on a checking and savings package among megabanks for those with high balances (see “Standout Accounts”). Plus, Premier Checking has no out-of-network ATM fee and reimburses surcharges from other-bank ATMs—together, unusual for a bank of this size.

And if you can’t keep more than $12,500 in the bank? While TD has no free accounts, its Convenience Checking and Simple Savings allow you to skirt maintenance fees with low $100 and $300 minimums, respectively.

Finally, as TD is open Saturday, Sunday, and late on weekdays, it had the second-longest hours of banks surveyed.

Caveats: While TD had the best package of accounts among big banks, you’ll do better at the midsize or online winners. Also, rates below are available only if you have both accounts and link them.

Standout Accounts:

Premier Checking

• Maintenance fee: $25
• Minimum balance to waive fee: $2,500
• ATM fee: $0, plus reimburses unlimited surcharges with $2,500 balance
• Interest on $2,500: 0.05%

Relationship Savings

• Maintenance fee: $14–$15
• Minimum balance to waive fee: $10,000
• Interest on...
  $2,500: 0.10%
  $10,000: 0.35%
  $25,000: 0.45%