View account guides:
TD Beyond Checking
TD Convenience CheckingSM
TD Signature Savings
TD Simple Savings
Offer valid June 14, 2022 through December 31, 2023 and is available only when opening through a qualifying website and who qualify as outlined below.
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. To receive the $300 Checking bonus, you must: 1) Open a new TD Beyond Checking account; AND 2) Have your direct deposits totaling $2,500 or more made into this account within 60 calendar days of the account opening date. To receive the $200 Checking bonus, you must: 1) Open a new TD Convenience Checking account; AND 2) Have your direct deposits totaling $500 or more made into this account within 60 calendar days of the account opening date.
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.
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. To receive the $200 Savings bonus, you must: 1) Open a TD Signature Savings or TD Simple Savings account (CD and IRA products are not eligible for the offer); AND 2) Deposit at least $10,000 in new money (not already held in any personal TD checking or TD savings account) that must post within 20 calendar days of account opening; AND 3) Maintain a balance of at least $10,000 for 90 additional days from the date you initially met the funding requirement.
After you have completed the requirements outlined above, 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.
TD Beyond Checking Monthly Maintenance Fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or $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.
TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder’s 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.
Non-TD ATMs: For TD Beyond Checking or TD Signature Savings accounts, TD fees waived regardless of balance, and non-TD fees, which includes any surcharges at the time of your transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking account or TD Signature Savings account 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.
Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options. Overdraft 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.
If you overdraw your account by more than $50 but make sufficient deposits to bring your available account balance back to $0 or greater than $0 as of 11 p.m. ET on the next business day following the day on which the item(s) that overdrew your account posted to your account (the “Overdraft Grace Period”), we will refund the overdraft fee(s) that were assessed to your Account for those item(s). Please refer to the Overdraft Grace section of the Personal Deposit Account Agreement for additional information.
Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.
Overdraft 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.
TD 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.
Send 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 and an active unique e-mail address. 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. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on one additional TD Simple Checking account and all personal savings accounts that you choose to link to your TD Beyond Checking account. Waivers expire when the TD Beyond Checking account is closed.
We will waive the monthly maintenance fee on one eligible TD Simple Savings account for eligible Customers upon Customer request for primary account holders who are 17 to 23 years of age. The monthly maintenance fee waiver expires upon the primary account holder’s 24th birthday. We will automatically begin to assess the monthly maintenance fee as of the primary account holder’s 24th birthday.
For 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 account. See the Personal Deposit Account Agreement for more details.
TD Signature Savings: Accounts eligible for an increased relationship rate include 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.
