View account guides:
TD Beyond Checking
TD Complete Checking
TD Signature Savings
1Offer effective for accounts opened on or before January 3, 2027, and is available only to the person addressed in the mailer or email. Email recipients must open their new account(s) online through a qualifying website. Account(s) subject to approval. Eligible clients may receive one (1) Checking Bonus (either $400 or $300); AND one (1) Savings Bonus ($200).
Checking Bonus: You will not qualify for the Checking Bonus if you are an existing TD personal checking client OR had a previous TD personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account bonus at any time. Qualifying direct deposits are limited to electronic direct deposits of your payroll, pension, or government benefit payments (such as Social Security) of at least $250 each. Person-to-Person and bank transfers between your TD 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 personal savings or money market client 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, TD will deposit the bonus in the corresponding new account on or before 180 days from account opening. To receive the Beyond Checking bonus, your account type must be a TD Beyond Checking account during the 180-day period. To receive the Complete Checking bonus, your account type must be a TD Complete Checking account during the 180-day period. To receive the Signature Savings bonus, your account type must be a TD Signature Savings account during the 180-day period. Your checking and/or savings 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 within 6 months after account opening, and the bonus has been paid, TD 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 may issue you IRS Form 1099 or other appropriate forms reporting the value of the bonus.
TD employees and non-US residents are not eligible. TD may modify or withdraw this offer at any time.
2Deposit at least $10,000 in your new account within 20 calendar days of account opening. On the 20th day after you open your account, TD will check your account balance to determine if you have the required balance of at least $10,000. You must maintain the required $10,000 balance for 90 additional days from the 20th day after account opening. 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 savings offer.
3TD 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.
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 a $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link.
5TD 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.
6TD Beyond Checking accounts provide monthly maintenance fee waivers on all savings and money market accounts. TD Complete Checking accounts provide a monthly maintenance fee waiver on one personal savings account. You must inform us of which account(s) you want to have designated to waive the monthly maintenance fee. This waiver is not automatic. If the Account that determines the monthly maintenance fee waiver benefit is closed, you will no longer receive the benefit. If you open additional eligible Accounts to replace any existing ones, you must request a new monthly maintenance fee waiver.
7Other Institution ATMs: For TD Beyond Checking and TD Signature Savings customers, TD will not charge a fee for each withdrawal, transfer, or balance inquiry conducted at a non-TD ATM. However, when using a non-TD ATM, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries. These surcharges incurred when using a non-TD ATM will be reimbursed by TD at the end of your statement cycle if you maintain a minimum daily balance of at least $2,500 in your TD Beyond Checking or TD Signature Savings account throughout the entire statement cycle.
When you use an international ATM, the ATM operator may separately charge an ATM surcharge. If the ATM surcharge is presented to us separately when we process the transaction, we will refund it. If the surcharge is not presented separately, we will refund it if you provide us with your ATM receipt within ninety (90) calendar days of the transaction. Reimbursement is subject to the balance requirements disclosed above. TD will charge an international transaction fee equal to 3% of the transaction amount.
8Other Institution ATMs: For TD Complete Checking customers, TD will charge a $3 fee for each withdrawal or transfer conducted at a non-TD ATM. This fee is waived when the primary account holder is aged 17-23.
Additionally, when using a non-TD ATM, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
When you use an international ATM, TD will charge an international transaction fee equal to 3% of the transaction amount.
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.
11TD Signature Savings Rate Bump: Rates are based off amount on deposit (tiered interest rates) and whether you qualify for a rate bump. The same rate may apply to multiple tiers. To qualify for the rate bump, you must have an eligible TD linked account, which may be automatically selected for you during account opening. Eligible accounts include: 1) a TD personal mortgage, home equity or credit card; or 2) an active personal or small business checking account with at least three client-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.
12For 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 Part III of 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.
13TD Bank Mobile Deposit is available to clients 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.
14Zelle® is available for most personal checking and money market accounts. To use 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. Must have a bank account in the U.S. to use Zelle®. Transactions typically occur in minutes between enrolled users. If your recipient is not already enrolled with Zelle®, funds won't be delivered until they enroll. Transaction limitations apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Zelle® is only available in English in secure Online and Mobile Banking.
15Clients with a TD Beyond Checking account 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.
16Clients with a TD Complete Checking account 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.
