1With TD Premier CheckingSM there is no charge from TD Bank for using another institution's ATM. The institution that owns the terminal may assess a fee (surcharge) at the time of your transaction, which is reimbursed by TD Bank if you keep a minimum daily balance of at least $2,500 in a TD Premier CheckingSM account throughout your statement period. The monthly maintenance fee of $25 is waived when you maintain the $2,500 minimum daily balance in a TD Premier CheckingSM account.