Three ways to waive monthly maintenance fee:

  1. Maintain a $10,000 minimum daily balance or

  2. Link an eligible TD Checking account3 or

  3. Open as an IRA

What you get with your TD Signature Savings account

Get a savings account that rewards your higher balance with tiered interest rates plus a relationship bump rate when you link an eligible TD account1, and account perks at no cost.

  • No TD ATM Fees anywhere you go
    Pay no TD ATM fees when you use non-TD ATMs regardless of balance and get reimbursed for other banks' surcharges when you maintain a $2,500 minimum daily balance2
  • Tiered rates
    As your balance grows, so does your interest rate—helping you to earn more as you save. See TD Signature Savings interest rates
  • Free services
    Incoming wire transfers, official bank checks, money orders and stop payments are free
  • Relationship bump rate
    When you link an eligible TD Bank active personal or small business checking, mortgage, home equity or credit card1
  • TD Overdraft Relief4
    Enroll in Savings Overdraft Protection5 to automatically transfer cash from your linked savings account to cover an overdrawn checking balance

Earn more when you save more with TD Signature Savings

With tiered rates, you earn more interest with a higher balance. And when you link an eligible account, you'll earn a relationship bump rate.1

Bump Rate APY*

Standard APY*

 

What you pay

Get the most from your new account

  • TD Beyond Checking

    Earn interest and get reimbursed for fees like ATM transactions and overdrafts6,7

  • CDs

    Build your savings on your terms with CDs that fit your goals

  • TD Bank Credit Cards

    Choose the card with the rewards you want, like Cash Back for everyday purchases

Open account

View the TD Signature Savings Account Guide.

*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.

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.

3Eligible accounts include: TD Beyond Checking and Relationship checking

4Overdraft 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.

5Savings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdraw balance. You may still be assessed an Overdraft fee ($35 max of $105 per day per account) if the transfer could not be made such as; if there is not enough money in the linked Savings or Money Market account to cover the overdrawn balance or if you manually transfer the money after overdrawing your account and your transfer is insufficient to cover the overdrawn balance.

6For TD Beyond Checking 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 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.

7Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

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