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. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit. 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 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.
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.Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.
4TD Signature Savings 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 TD Signature Savings interest rates for more details.
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