Earn up to $600 by bundling a new personal TD Checking and Savings account^1,2

View the TD Checking and Savings Account Guides.

¹Offer valid through June 30, 2026. Accounts must be opened at any TD Bank location in the state of Maine, Massachusetts, New Hampshire, Rhode Island, Connecticut, and Vermont OR online through td.com/TDGardenOffer beginning October 1, 2025. Customer must mention offer when opening accounts at a specified TD Bank location during the offer period.

Checking Bonus: You will not qualify for the Checking Bonus if you are an existing TD Bank personal checking Customer OR had a previous 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. Qualifying Visa® Debit Card purchases are those made using a TD Visa® Debit Card to buy goods and services. Withdrawals made at the ATM do not qualify. Returns and other adjustments may affect qualifying purchases. Qualifying purchases are determined in the sole discretion of TD Bank and must post to the new account within 60 calendar days of account opening.

Savings Bonus: You will not qualify for the Savings Bonus if you are an existing TD Bank personal savings or money market Customer 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, we’ll deposit the bonus in the corresponding new account on or before 180 days from account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new account is closed by you or TD Bank within 6 months after account opening, and the bonus has been paid, TD Bank 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 Bank may issue you an IRS Form 1099 or other appropriate forms reporting the value of the bonus.

Offer may be withdrawn at any time. TD Bank Employees and Canadian Cross-border banking Customers are not eligible.

²Deposit at least $10,000 in your new savings account within 20 calendar days of account opening. Then, 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 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.

⁴Non-TD ATMs: For TD Beyond Checking or 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 Beyond Checking account 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.

⁵Overdraft 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.

⁶TD Signature Savings Relationship Rate: Rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship rate. The same rate may apply to multiple tiers. To qualify for the relationship rate, you must have an eligible TD Bank linked account, which may be automatically selected for you during account opening. Eligible accounts include 1) a TD Bank personal mortgage, home equity or credit card OR; 2) 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 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.

⁷While we don't require a minimum deposit to open, TD may auto close your Account if not funded within forty-five (45) Calendar Days from account opening.

⁸Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments; Beyond Checking accounts will be reimbursed for Rush Bill Payment fees. Please reference Personal Fee Schedule for more information. 

⁹For 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 Availability of Funds Policy described in 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.

¹⁰Loans subject to credit approval. A TD Bank personal checking account is required to be eligible for a 0.25% HELOC interest rate discount. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan, 0.25% interest rate discount requires automatic payment deduction from a TD Bank personal checking or savings account. This discount may be terminated and the interest rate on this account may increase by 0.25% upon cancellation of the automatic payment deduction.

¹¹Monthly Maintenance Fee is waived on a TD Signature Savings or TD Simple Savings account when linked to a TD Beyond or TD Complete checking account. Waivers expire when the TD Beyond or TD Complete checking account is closed.

¹²Overdraft 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. Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.

¹³Savings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdrawn 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.

¹⁴TD Bank Mobile Deposit is available to Customers 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.

¹⁵For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.

¹⁶TD 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.

¹⁷TD 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.

¹⁸TD Complete Checking non-TD ATM fee waived when the primary account holder is aged 17 through 23 only. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

¹⁹If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. For the TD Essential Banking account, the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday, the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

²⁰Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with 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, and a Social Security Number. 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.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply.

For more information, read the Terms and Conditions.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Send Money with Zelle® is only available in English in secure Online Banking.

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