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.

  • Free ATMs 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

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 overdrafts5,6

  • 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.

1Eligible accounts include: 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.

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

4 If your linked account doesn’t have sufficient funds to cover your overdraft, a $35 overdraft fee may apply for each returned or paid transaction (up to 3 fees per day per account).

5For 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.

6Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

Have a question? Find answers here