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Open a TD Savings Account Online

Open a TD Savings Account online in minutes – it's easy and secure. Choose your FDIC-insured savings account with competitive interest rates, and if you choose TD Signature Savings and link an eligible TD account, you can earn even more interest with a relationship bump rate.1

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  • TD Simple Savings
    Open in minutes

    A savings account with a low monthly fee that can be waived.

    • 4 ways to waive the monthly maintenance fee, including maintaining a $300 minimum daily balance
    • Free automatic transfers: Kick-start your savings with transfers from other accounts
    • Option to enroll in Savings Overdraft Protection for your TD Checking account
    • Save at all ages: Free if you're 18 or under, or 62 or older

    View Simple Savings rates

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  • TD Signature Savings
    Open in minutes

    Rates up to 4.00% APY* with minimum balance of $100,000†

    • 3 ways to waive the monthly maintenance fee, including maintaining a $10,000 minimum daily balance
    • No TD ATM Fees anywhere you go: Non-TD ATM fees waived and ATM fees reimbursed with $2,500 minimum daily balance2
    • Competitive tiered interest rates: As your balance grows, so does your interest rate—helping you to earn more as you save
    • A relationship bump rate when you link an eligible TD account1
    • Free services including incoming wire transfers, official bank checks, money orders and stop payments

    View Signature Savings rates

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Perks of savings with TD

  • Higher rates for longer-term savings

    TD Choice Promotional CDs offer a variety of terms with competitive tiered interest rates so you can earn more with a higher balance

  • Live Customer Service

    Call 1-888-751-9000 to talk to a real person any time of day, any day of the week. Or book an appointment to talk to a specialist at a TD Bank near you.

  • TD Overdraft Relief

    Overdrafts happen. When they do, TD Overdraft Relief gives you flexibility and options to help prevent fees.

View all TD Savings Account rates

Compare rates and choose the account that works for you.

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Review standard TD Simple Savings rates.

Standard APY* for all tiers

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View all interest rates for TD Signature Savings.

Bump Rate APY*

Standard APY*
 
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Choosing the savings account that's right for you

Learn more about the different types of savings accounts available to help you decide which one might be right for you. 
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Still deciding on a savings account?

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Savings FAQs

To open a TD savings account, you'll need your: Social Security number, government-issued ID, source of funds (existing banking information), and a phone number. (Additional information may be required).

Yes, you can open an account online by clicking the "Open in minutes" button. Just choose the account type and prepare the required documents needed to open an account:

There is no minimum opening deposit required to open the account. However, if you do not make a deposit within 45 days, your account will automatically close.

APY is the Annual Percentage Yield, which is the real rate of return earned on a savings or investment account for one year. Both TD Signature Savings and TD Simple Savings accounts are eligible to earn APY. TD Signature Savings account customers may be eligible for higher interest rates based on account balances and relationship rates.1

Find the most up-to-date interest rates on TD savings accounts.

Depending on how you deposit your funds, availability varies from immediately to 3 business days (Monday - Friday, excluding federal holidays) after the date of deposit. See additional guidance.

  • In-store: Cash is available immediately; with checks, $100 is available same-day with the full amount available the next business day4
  • ATM: Cash is available immediately; with checks, $100 is available same-day with the full amount available the next business day5
  • Mobile, online and electronic: Mobile checks are available in full next business day, Zelle may be available within minutes6, ACH, Wires, and Transfers between TD accounts are available immediately. Longer delays may apply
  • New account deposits: 
    • In-store and ATM checks for new account: $100 same day, $125 next business day, full amount three business days after deposit date
    • Mobile check for new account: $225 next business day, full amount three business days after deposit date

Both TD Simple Savings and TD Signature Savings accounts can be set up to protect a TD checking account by using funds from your savings to cover the checking overdraft. You can enroll in Savings Overdraft Protection in person at your local TD Bank.

Savings Overdraft Protection includes no transfer fees by linking your checking account3 with a savings account. If your checking account balance is negative at the end of the day, we'll automatically transfer funds from your linked savings account to cover the overdraft. 

View the TD Savings Account Guides.

*Annual Percentage Yield (APY) is accurate as of  and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.

†4.00% annual percentage yield (APY) is only available to customers who maintain at least $100,000 on deposit in their account TD Signature Savings AND link an eligible account (relationship bump rate).  TD Signature Savings rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship bump rate. The same rate may apply to multiple tiers.  For a complete list of each TD Signature Savings tier (with corresponding APY and minimum balances), see TD Signature Savings interest rates.

1TD Signature Savings: Enjoy a relationship bump rate when you link an eligible account, which includes a 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.

2For 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 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.

3Overdraft 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 available balance in your Account is not sufficient to pay the transaction.

4For deposits made on Saturday, Sunday or a federal holiday, add an additional business day when estimating funds availability. If a deposit is made on a business day followed by a Saturday, Sunday or a federal holiday funds may still be made available on the following day.

In some cases, funds deposited by check may be delayed for a longer period than our Standard Funds Availability. If you’ve deposited checks totaling more than $5,525 in one day, the first $100 is immediately available, an additional $5,425 will be available no later than the first (1st) business day after the date of deposit, and the remainder may be held up to seven (7) business days after the date of deposit. If a hold is placed because we have reason to believe a check may be uncollectible, the full amount of the check may be held up to seven (7) business days after the date of deposit. This hold supersedes any prior availability provided to you, including the initial $100 provided on the date of deposit. Please refer to the Funds Availability Section of the Personal Deposit Account Agreement for additional information.

5Cash deposits made at a TD Bank ATM on the business day your account is opened will not be available until the first (1st) business day after the date of your deposit.

6Zelle deposits made after 10:30 p.m. ET may temporarily increase your balance. However, deposits made after 10:30 p.m. ET will be considered deposited on the next business day.

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