Deposits · August 2026
TD Bank publishes checking fees and holds back its savings rate
An AI agent ran five ordinary deposits tasks on the public pages of TD Bank and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Bank
42/100
Mystery Agent score
Deposits · rank 21 of 25
Savings rate
24Partly served
Checking comparison
90Served as text
Fee schedule
28Partly served
Routing number
18Arrives after scripts
Application page
48Partly served
Summary
- TD Bank lists three checking tiers, their fees, and every waiver path in plain HTML text.
- An automated reader found the checking page spelling out age, Social Security number, ID, and funding requirements for opening an account.
- The savings page's rate value arrives after a location is chosen, so publishing it as static text is a clear next step.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings ratePartly served24 out of 100
An automated reader looked for the savings rate and found the account page's APY fields blank in the served text, filling in only once a location is chosen through scripts.
Task 02Checking comparisonServed as text90 out of 100
The checking overview page lays out three tiers as plain text: TD Beyond Checking's $25 fee waived by a $2,500 balance, TD Complete Checking's $15 fee, and TD Essential Banking's flat $4.95 charge with no overdraft fees.
Task 03Fee schedulePartly served28 out of 100
Searching for the fee schedule, an automated reader retrieved TD Bank's 1,890 line account agreement PDF in full, which repeatedly points readers to a separate Personal Fee Schedule document without printing any of its dollar figures.
Task 04Routing numberArrives after scripts18 out of 100
The help center names the routing number question directly in its FAQ title, and an automated reader followed that link to a search page whose answer text renders only after scripts run.
Task 05Application pagePartly served48 out of 100
The checking page states plainly what a new customer needs: to be 18 or older, a Social Security number, an ID, a funding source, and phone verification, all before the application step opens.
Ready to apply? Here's what you'll need: your Social Security number and at least one form of ID.
The application page
What the account opening page states to a reader that runs no scripts.
364,987Bytes delivered
45,758Characters of visible text
9Form fields in the first response
StatedWhat an applicant needs
Strengths and opportunities
What is working
- The checking account comparison page serves complete monthly fees and every waiver path for three account tiers as plain HTML text, with no script needed to read the numbers.
- Application requirements (age, Social Security number, ID, funding source, phone verification) are disclosed in plain text on the checking overview page well before a customer reaches the account-opening modal.
- robots.txt is short, clean, and does not block any page an agent needs to research deposit products, and it correctly points to a valid sitemap.xml.
Opportunities
- Publish the numeric savings APY as static text on the savings page. Today the template ships with the rate value blank, waiting on a client-side location selection.
- Republish llms.txt and the checking/savings account-guide page. Both currently return HTTP 503 with a legacy TD Canada Trust error template instead of content.
- Print the routing number as visible text on a help or FAQ page. The FAQ question exists and is titled correctly, but its link only opens a client-rendered search box with no printed answer.
- Host the Personal Fee Schedule PDF at a stable public URL next to the account agreement, so the fee figures the agreement repeatedly references are actually retrievable.
- Give the 'Open account' buttons a real destination URL instead of a same-page JS modal, so the application application page itself can be read with a plain GET.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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