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 online through a qualifying website. Account(s) subject to approval. Eligible clients may receive one (1) Savings Bonus ($200).
You will not qualify for the Savings Bonus if you are an existing TD personal savings or money market client OR had a previous TD 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 above, TD will deposit the bonus in your new account on or before 180 days from account opening. To receive the Signature Savings bonus, your account type must be a TD Signature Savings account during the 180-day period. Your account must not be closed or restricted at the time of payout. If your new 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 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 offer.
3TD Signature Savings Rate Bump: Rates are based off of 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 a TD personal mortgage, home equity or credit card OR 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 an active personal or small business checking account WITH a direct deposit each calendar month. See the Personal Deposit Account Agreement for more details.
4TD 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.
5For 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.
6TD 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.
7Zelle® 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.
