View the TD Checking and Savings Account Guides.
1Offer valid March 4, 2024 through November 30, 2024 and is available only when opening through a qualifying website and who qualify as outlined below.
Checking Bonus: You will not qualify for the Checking Bonus if you are an existing TD Bank personal checking Customer OR had a previous personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account bonus at any time. Your direct deposits need to be an electronic deposit of your paycheck, pension, government benefits (such as Social Security) from your employer or the government of at least $250 each. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit. Your Visa® Debit purchases need to be transactions made using your TD Visa® Debit Card to buy goods and services and are net of returns and other adjustments. Net qualifying purchases are determined in the sole discretion of TD Bank and must be posted to your new checking account within 60 calendar days of account opening. Withdrawals made at the ATM do not qualify.
Savings Bonus: You will not qualify for the Savings Bonus if you are an existing TD Bank personal savings or money market Customer OR had a previous personal savings or money market account that was closed within the preceding 12 months OR have received a prior personal savings or money market account bonus at any time.
After you have completed the requirements outlined within, we’ll deposit the bonus in your new account on or before 180 days of account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking and/or savings account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing.
Eligibility may be limited based on account ownership. The primary owner of the new personal checking and/or new personal savings account may be required to complete a valid IRS Form W-9 or substitute IRS Form W-9 to provide certain identifying information. You may be subject to backup withholding at the rate specified in the U.S. Internal Revenue Code if you fail to provide that information or meet certain other conditions. TD Bank may issue you an IRS Form 1099 or other appropriate forms reporting the value of the bonus.
Offer may be withdrawn at any time. TD Bank Employees and Canadian Cross-border banking Customers are not eligible.
2Maintain the required balance for 90 additional days from the 20th day after account opening (“Maintenance Period”). If your balance falls below the required minimum balance even for one day during the Maintenance Period, you will no longer qualify for the bonus.
3Non-TD ATMs: For TD Beyond Checking, TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
4TD Signature Savings rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship rate. The same rate may apply to multiple tiers. For a complete list of each TD Signature Savings tier (with corresponding APY and minimum balances), see TD Signature Savings interest rates.
5TD Beyond Checking monthly maintenance fee can be waived with one of the following: Have $5,000 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $2,500; OR have a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.
6While we don't require a minimum deposit to open, TD may consider your Account closed if it has a zero balance for forty-five (45) Calendar Days.
7Overdraft Payback automatically reverses the first two overdraft fees incurred within a calendar year (January–December); max $70 per calendar year. Overdraft Payback is applied first, regardless of the Grace Period. Once Overdraft payback has been utilized, your account will then be reviewed for Overdraft Grace when applicable.
8Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments; Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.
9For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.
If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.
10Loans subject to credit approval. A TD Bank personal checking account is required to be eligible for a 0.25% HELOC interest rate discount. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan, 0.25% interest rate discount requires automatic payment deduction from a personal TD Bank checking or savings account. This discount may be terminated and the interest rate on this account may increase by 0.25% upon cancellation of the automatic payment deduction.
11Monthly Maintenance Fee is waived on a TD Signature Savings or TD Simple Savings account when linked to a TD Beyond or TD Complete checking account. Waivers expire when the TD Beyond or TD Complete checking account is closed.
12TD Signature Savings Relationship Rate: Rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship rate. The same rate may apply to multiple tiers. To qualify for the relationship rate, you must have an eligible TD Bank linked account, which may be automatically selected for you during account opening. Eligible accounts include a TD Bank personal mortgage, home equity or credit card OR an active personal or small business checking account WITH at least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month OR an active personal or small business checking account WITH a direct deposit each calendar month. See the Personal Deposit Account Agreement for more details.
13Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee. For example, preauthorized transactions and other transactions may post to your Account even when the balance in your Account is not sufficient to pay the transaction.
14Savings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdraw balance. You may still be assessed an Overdraft fee ($35 max of $105 per day per account) if the transfer could not be made such as; if there is not enough money in the linked Savings or Money Market account to cover the overdrawn balance or if you manually transfer the money after overdrawing your account and your transfer is insufficient to cover the overdrawn balance.
15TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
16For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.
17Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.
Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply.
For more information, read the Terms and Conditions.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Send Money with Zelle® is only available in English in secure Online Banking.
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