TD Beyond Checking

¹You will not qualify for the Checking Bonus if you are an existing TD Bank checking Customer OR had a previous checking account that was closed within the preceding 12 months OR have received a prior 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.

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Offer may be withdrawn at any time.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.

²TD Beyond Checking monthly maintenance fee can be waived with one of the following: Receive $5,000 or more in direct deposits within a statement cycle or maintain a $2,500 minimum daily balance in your TD Beyond Checking account or maintain 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.

³For TD Beyond Checking account, 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 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.

⁴Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January-December); max $70 per calendar year.

⁵TD 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.

⁶TD Convenience Checking^SM monthly maintenance fee waived if the Primary account holder is age 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.

⁷TD 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.

⁸A business day is every day, except Saturdays, Sundays and federal holidays.

⁹Overdraft 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 or return item 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.