TD Bank
TD Bank
Best: National bank for high balance accounts
Branches: 1,280 in 15 states

Minimums to avoid fees:
• $2,500 monthly balance on Premier Checking
• $10,000 balance on High Yield Savings linked accounts

Interest rates:
• 0.05% on Premier Checking
• 0.2% to 0.25% on $1,000 to $10,000; 0.35% to 0.55% for $10,000 to $25,000 in High Yield Savings

Why it's a winner: Impressive rewards for customers floating $12,500. Most big banks save their best terms for high-balance customers. Still, TD shines against peers: You pay no out-of-network ATM fees and get unlimited reimbursements for fees from other banks on checking.

There's no foreign transaction fee on debits (up to 3% elsewhere). Savings rates are above average, and you even earn a bit on checking. Plus, branches are open extended hours.

Caveat: Rates on savings depend on region; check the bank's site to see what it is paying near you.

  @Money - Last updated September 26 2012 09:52 AM ET
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