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TD Beyond Checking

TD Complete Checking

TD Signature Savings

¹Offer valid from March 20, 2025, through May 23, 2025, and is available only to the person addressed in the mailer or email.

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.

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 the corresponding new account on or before 180 days from 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, and the bonus has been paid, 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Offer may be withdrawn at any time.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.

²TD 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.

³TD Complete Checking 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 account requirements that waive the monthly maintenance fee are met.

⁴TD Complete Checking monthly maintenance fee can be waived with one of the following: Have $500 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $500; OR have $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link.

⁵TD Beyond Checking and TD Signature Savings: Non-TD ATMs: 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 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.

⁶TD Complete Checking: Non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

⁷Overdraft 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. Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.

⁸When items are presented for payment that result in your available account balance being overdrawn by more than $50, Overdraft Grace Period provides you with an opportunity to receive refunds for overdraft fees if your available account balance is at least $0, inclusive of any pending or posted items, at the end of the next business day.

⁹Rush 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. Please reference Personal Fee Schedule for more information.

¹⁰Overdraft 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.

¹¹For 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 Funds Availability 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.

¹²TD 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.

¹³Send 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.

¹⁴TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on 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.

¹⁵TD Complete Checking accounts are eligible for a monthly maintenance fee waiver on one personal savings account that you choose to link to your TD Complete Checking account. Waiver expires when the TD Complete Checking account is closed.

¹⁶Deposit funds in your new account based on the enclosed chart within 20 calendar days of account opening. Then, on the 20th Day after you open your account, TD will check your account balance to determine the Maximum Bonus you can earn, based on the corresponding row in the chart located within. You must maintain at least the Required Balance based on the chart within for 90 additional days from the 20th day after account opening. If your account balance falls into a lower balance tier for even one day during the 90 days, your Maximum Bonus will change to a new bonus amount based on that corresponding balance tier (see Chart within). For example, if your account balance on the 20th Day is $30,000 or more, the Maximum Bonus you could earn is $400. However, if your balance drops to $15,000 on day 45, the Maximum Bonus you can earn changes to $200. If you fail to deposit at least $10,000 within the first 20 days of account opening or fail to maintain at least a $10,000 balance for the 90 day period (starting on day 20), you will not qualify for this offer.

¹⁷For 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.

¹⁸TD Signature Savings Relationship Rate: Rates are based off 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 1) a TD Bank personal mortgage, home equity or credit card; or 2) 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 3) an active personal or small business checking account with a direct deposit each calendar month. See the Personal Deposit Account Agreement for more details.