# TD Bank

**Canonical:** https://apis.io/providers/td-bank/  
**Website:** https://developer.td.com  
**APIs profiled:** 16

TD Bank, N.A. (America's Most Convenient Bank) is the U.S. retail and commercial subsidiary of Toronto-Dominion Bank, serving more than 10 million customers from Maine to Florida through roughly 1,100 branches. TD's Open Banking developer portal (hosted at developer.td.com / openbanking.amcb.developer.td.com) exposes an FDX-aligned API suite — Account Basic, Account Detailed, Customer, Transactions, Statements, Tax Forms, Bill Payment, Rewards — plus Consent, Token, Service Token, Apps Management, and Notifications utility APIs that are operated for vetted fintechs and data aggregators via the Akoya Data Access Network. TD also exposes TD Online Mart Recurring Payment APIs through its US/Canadian Merchant Solutions (Worldline-backed).

## Kin Score — 49.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 49.1).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 55.2 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 47.4 |
| Developer Ergonomics | 31.0 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (16)

- **TD Bank Transactions API** — FDX v6.2 Transactions endpoint that returns posted and pending transaction data for a consented account — amounts, dates, descriptions, merchant fields, status — with support fo...
- **TD Bank Statements API** — FDX v6.2 Statements endpoint that lists available statement periods for a consented account and lets consumers retrieve the statement PDF. Supports the standard FDX statement me...
- **TD Bank Tax Forms API** — FDX v6.2 Tax Forms endpoint that lists tax forms (e.g. 1099-INT, 1099-DIV) issued for a consented TD account in a given year and lets consumers retrieve the form PDF.
- **TD Bank Rewards API** — TD Open Banking Rewards API v1.0.0 returns reward program and membership information for the currently authenticated user — designed to track rewards participation across travel...
- **TD Bank Notifications API** — Notifications API — retrieves alerts about significant changes on the TD/Akoya network, including planned/unplanned maintenance outages and consent events (revoked or modified c...
- **TD Online Mart Recurring Payment API** — TD Merchant Solutions Recurring Payment API (Worldline-backed gateway) — lets merchants schedule and process recurring membership / subscription card payments. Supports API Pass...
- **TD Bank Accounts API** — The Accounts API from TD Bank — 3 operation(s) for accounts.
- **TD Bank Apps API** — The Apps API from TD Bank — 2 operation(s) for apps.
- **TD Bank Bill Payments API** — The Bill Payments API from TD Bank — 1 operation(s) for bill payments.
- **TD Bank Clusters API** — The Clusters API from TD Bank — 2 operation(s) for clusters.
- **TD Bank Consents API** — The Consents API from TD Bank — 2 operation(s) for consents.
- **TD Bank Customers API** — The Customers API from TD Bank — 2 operation(s) for customers.
- **TD Bank Payees API** — The Payees API from TD Bank — 1 operation(s) for payees.
- **TD Bank Service Tokens API** — The Service Tokens API from TD Bank — 1 operation(s) for service tokens.
- **TD Bank Subscriptions API** — The Subscriptions API from TD Bank — 1 operation(s) for subscriptions.
- **TD Bank Tokens API** — The Tokens API from TD Bank — 3 operation(s) for tokens.

## Agentic access (1)

- **Td Bank Agentic Access** — 32 operations · 7 acting · 2 human-in-the-loop

## Security (2)

- **Td Bank Authentication** — http/oauth2 · 2 schemes
- **Td Bank Domain Security** — TLSv1.2 · DMARC

## Plans (1)

- **Td Bank Plans Pricing**

## Tags

Account Aggregation, AML, Akoya, Banking, Bank Secrecy Act, Bill Payments, Consent, Consumer Banking, FDX, Financial-Services, Merchant Solutions, Notification, Open Banking, Payments, Rewards, Tax Forms, Token Management, Transaction

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/td-bank/). Scores are computed from the provider's own public artifacts under a published rubric.