Private Banking

Comprehensive personal banking and lending solutions taken to the next level

Enjoy the highest level of local personal service and a streamlined banking experience all in one place with TD Wealth Private Client Group. As a Private Banking Client you have a dedicated Relationship Manager responsible for the day-to-day management of all your personal banking, lending and investing with access to the full array of TD offerings. Our services are best suited for those with $750,000 or more to invest with us which is a significantly lower minimum than our national competitors.

Whatever your financial needs, we'll work with you to create customized banking and lending solutions:

Liquidity management

Working with your Relationship Manager, you have access to a suite of premier lending choices for amounts of $250,000+ to fund your specific needs.

Enjoy flexible funding options to cover a variety of short- and long-term needs:

  • Liquidity for funding or leveraging investments
  • Real estate transactions
  • Bridging cash flow gaps
  • Asset acquisition
  • Personal and business investment
  • Refinancing high interest rate debt

Make the most of our lending resources that feature:

  • Minimum facility of $250,000
  • Interest only or amortizing payment terms available
  • Variable or fixed interest rate options
  • Timely approval process
  • Annual review required

TD Custom Lending Solutions

Get tailored borrowing solutions with pricing and collateral options based on your needs

  • Use eligible securities in your TD investment account as collateral for a loan or line of credit
  • Gain accessible liquidity while still working towards your long-term investment strategy
  • Streamlined application and approval process, with limited financial documentation for qualifying transactions

Learn more about TD Custom Lending Solutions

Deposit solutions

Enjoy concierge service and the security of knowing you're getting the most from your deposit accounts. Your dedicated, local Relationship Manager handles the daily oversight of your accounts based on your input and goals.

Checking and savings accounts that work for you
Benefit from tiered interest rates, which increase based on your balances, with our Private Tiered Checking and Private Tiered Savings accounts.

Payment solutions

Effortlessly maximize the perks and rewards of your TD Bank Visa cards when you work with your Private Banking Relationship Manager.

Cards loaded with benefits

First ClassSM Visa Signature® Credit Card

  • Book travel, event tickets, restaurant reservations and more, 24/7
  • Get the best available rates, travel discounts, and more when you book through Visa Signature Luxury Hotel Collection
  • Have more fun more often with dozens of other perks1

Private Client Visa® Debit Card

  • Enjoy higher transaction limits and pay no foreign transaction fees
  • Check out faster – tap to pay and be on your way with contactless technology. Plus, add your card to your mobile wallet.

Services for business owners

Banking for your entire financial picture

Owners of large and small businesses can access a full range of business banking products and services including:

  • Checking
  • Savings
  • CDs
  • Debit and credit cards
  • Credit and lending
  • Employee benefit plans
  • Captive specialty practice
  • Corporate trust
  • Foundation and endowment management

Comprehensive planning strategies are also available from our team of trusted professionals to help address the complex needs of business owners.

  • Succession and Legacy Planning
  • Retirement and Wealth Planning

Learn more about wealth strategies for business owners

Related investing and financial information

About TD Wealth

Discover what sets TD Wealth and the Private Client Group apart when it comes to managing your wealth with help from a dedicated local Relationship Manager.

Learn more

Let's start the conversation

Our TD Wealth Advisors are available to provide you with advice to help you meet your financial goals.

1For more information, refer to the TD First Class Visa Signature Credit Card terms and conditions.

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Certain restrictions and terms and conditions apply. Borrowing with securities as collateral involves certain risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you may be required to pay down your loan or line of credit or pledge additional securities in order to maintain it, or the lender may require the sale of some or all of the securities in your account. The sale of your pledged securities may cause you to suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. TD Bank, their affiliates, and employees do not provide legal or tax advice. All securities and accounts are subject to eligibility requirements. Financing real estate with a securities-based loan or line of credit carries risk and may not be appropriate for your needs. A complete assessment of your circumstances is needed to help you determine which type of loan provides the best fit.

Please read all lines of credit documents carefully. The proceeds from some securities-based lines of credit may not be used to purchase additional securities or pay down margin. Securities held in a retirement account cannot be used as collateral to obtain a loan. Securities purchased in a pledged account must meet collateral eligibility requirements.

The TD Bank, N.A. Collateral Loan offering is provided by TD Bank, N.A., member FDIC (TD Bank). Securities and other investment products are not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value. Borrowing with securities as collateral involves certain risks and is not suitable for everyone. A complete assessment of each client’s individual circumstances is needed when considering a securities-based loan.

†By clicking on this link you are leaving TD Bank's website and entering a third-party website over which TD Bank has no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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Equal Housing Lender

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

TD Investment Services (US) is an offering of TD Private Client Wealth, LLC, which is a wholly owned subsidiary of TD Bank N.A., member FDIC (TD Bank). TD Investment Services (US) provides its clients access to non-bank products and services.

Banking, investment and trust services are available through TD Bank N.A. Securities, investment advisory and brokerage products are available through TDPCW, a US Securities and Exchange Commission registered investment adviser and member FINRA/SIPC.

TD Automated Investing and TD Automated Investing Plus are digital platform offerings of TDPCW. High Net Worth and TD Investment Services (US) are fully managed account offerings available through TDPCW. Epoch Investment Partners, Inc. (Epoch) is a federally registered investment adviser that provide investment management services to TDPCW and TD Bank, N.A.

TD Bank, N.A., TDPCW, and Epoch are affiliates.

TD Wealth Management Services Inc., an insurance agency (TDWMSI), offers insurance products. TD Bank, N.A. and TDWMSI are affiliates.

TD Bank, N.A. and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered.

Please read the Legal Disclaimers in conjunction with these pages.

TD Atrium - Corporate Office 1701 Route 70 East, Cherry Hill, NJ 08003
©2025, TD Bank, N.A. All Rights Reserved.

TD Investment Services (US) is an offering of TD Private Client Wealth, LLC, which is a wholly owned subsidiary of TD Bank N.A., member FDIC (TD Bank). TD Investment Services (US) provides its clients access to non-bank products and services.

Banking, investment and trust services are available through TD Bank N.A. Securities, investment advisory and brokerage products are available through TDPCW, a US Securities and Exchange Commission registered investment adviser and member FINRA/SIPC.

TD Automated Investing and TD Automated Investing Plus are digital platform offerings of TDPCW. High Net Worth and TD Investment Services (US) are fully managed account offerings available through TDPCW. Epoch Investment Partners, Inc. (Epoch) is a federally registered investment adviser that provide investment management services to TDPCW and TD Bank, N.A.

TD Bank, N.A., TDPCW, and Epoch are affiliates.

TD Wealth Management Services Inc., an insurance agency (TDWMSI), offers insurance products. TD Bank, N.A. and TDWMSI are affiliates.

TD Bank, N.A. and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered.

Please read the Legal Disclaimers in conjunction with these pages.

TD Atrium - Corporate Office
1701 Route 70 East, Cherry Hill, NJ 08003
©2025, TD Bank, N.A. All Rights Reserved.