View the TD Checking and Savings Account Guides.
*Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.
1Offer valid through September 25, 2024 and must be opened at the TD Bank location at 501 Spring Garden Street, Philadelphia, PA 19123 beginning July 12, 2024 OR online through td.com/NoLibsOffer beginning 7/5/2024.
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.
44.00% annual percentage yield (APY) is only available to customers who maintain at least $100,000 on deposit in their account TD Signature Savings AND link an eligible account (relationship rate). TD 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.
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