Small Business Banking

Small Business Checking Offer:

⁺Business Checking Monthly Maintenance Fee 3-statement cycle waiver offer is eligible on one new TD Small Business checking account per customer TIN. Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus or Business Premier Checking products are eligible. The Monthly Maintenance Fees will be waived for the first three billing cycles after the account has been opened, and standard pricing will resume when the 3-statement cycle waiver expires. See Business Fee Schedule for details. Account analysis checking customers are not eligible for this offer. Offer only available to new small business checking customers during the offer period August 1, 2025 and October 31, 2025.

Small Business Lending Offer:

⁺⁺All Loans and Lines of Credit subject to credit approval and terms and conditions of final agreements. Renewals and refinances to existing Loans and Lines of Credit (except for increases to existing Lines of Credit) are not eligible for the offers.

For the Line of Credit offers, Borrowers who have paid off and closed a Line of Credit after April 7, 2024 are not eligible for the offers. Applications must be received between April 7, 2025 and October 31, 2025 to qualify. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. The interest rate for Lines of Credit approved without an SBA Guaranty meeting the auto-payment qualification will be Wall Street Journal Prime (WSJP) + 0.00%. The interest rate for Lines of Credit requiring an SBA Guaranty and meeting the auto-payment qualification will be Wall Street Journal Prime (WSJP) + 3.00%.

For SBA 7(a) Term Loans and SBA 504 Term Loans up to $5,000,000, TD Bank will offer closing cost credit up to $2,000.00 applicable to third-party reports such as appraisal, environmental, or business valuation reports. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. Closing credit not to exceed $2,000.00 in value. Borrower will be responsible for all assessed commitment and closing fees if Borrower withdraws a loan application after appraisals have been conducted. The offer excludes Term Loans under the SBA Express Program. Applications must be received between April 7, 2025 and October 31, 2025 to qualify.

For the Line of Credit and Term Loan offers, Loans and Lines of Credit must be closed by January 31, 2026 to qualify. Some credit restrictions may apply. Other terms and conditions may apply. Other fees and charges may apply; speak with your local lender for details.

TD Merchant Solutions Offer:

⁺⁺⁺All new accounts will receive no Monthly Service Charge and no Monthly Minimum Account Fee for the first three full calendar months.

Plus, up to $1,000 cashback for Merchants who process at least $250,000 in the first three full calendar months.

Here's how:

• Open a TD Merchant Solutions Account to receive no monthly service charge and no monthly minimum account fee for the first 3 full calendar months.
• Merchants who process at least $500 during the first three full calendar months, will receive a bonus of 1% cash back up to $300 based on processed volume for a period covering the first three full calendar months.
• Merchants who process at least $250,000 during the first three full calendar months, will receive an additional bonus of $700 based on processed volume for a period covering the first three full calendar months.

Additional Conditions:

Offer is available to any New Merchant account that is credit approved from 08/01/2025 through 12/31/2025 and meets the additional conditions below.

Merchant must sign a 3-year Merchant Solutions Processing Agreement and must begin processing through their Merchant Solutions account during the campaign period set forth above. Merchant's Settlement Account must be a TD Bank Business checking account. Monthly Service Charge, Clover Platform Fee and Monthly Minimum Account fees are charged to the Merchant and rebated the following month. No rebates will be made if Merchant Account is not open and in good standing at the time such bonus offer is calculated and paid. Total amounts of the monthly credit will equal the value of the account Monthly Service Charge Fee or Clover Platform Fee and the Monthly Minimum Account Fee outlined in the Merchant Processing Agreement and will be credited to the merchants processing statement the month following the initial charge.

Cash Back Bonus offer will be credited to merchants based on processed volume for a three-month promotional period, based on their account approval date. Merchants can earn 1% cash back on eligible net transaction volume (valid gross sales minus any returns) processed during the first three months after account approval (first three statement cycles (3 calendar months)). The maximum 1% cash back is capped at $300. TD Merchant Solutions will determine qualifying eligible net transaction volume in its sole discretion (e.g., returns, chargebacks, etc. will not be included). The credit will appear on the Merchant’s processing statement the month following the month in which qualifying transactions are processed.

All Merchant Solutions accounts are subject to credit approval, additional Terms and Conditions outlined in the Merchant Solutions Processing Agreement will apply. Other standard fees outlined in the Merchant Processing Agreement are excluded from this offer.

TD Business Solutions Credit Card Offer:

⁺⁺⁺⁺For the TD Business Solutions credit cards, maximum bonus accumulation for this promotional offer is 25,000 Bonus Points, equal to $250 in the form of a statement credit. Provided your TD Business Solutions Card is open and in good standing, the 25,000 Bonus Points, equal to a $250 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $1,500 in total net purchases within 90 days of account opening. This offer only applies to new TD Business Solution Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

¹Eligibility of ACH payments for early availability are limited to those coded by the originating financial institution as PPD (Prearranged Payment and Deposit), which are typically for payroll, government benefits, tax refunds and similar payments. All other ACH payment types, deposits or credits to your account, such funds from peer-to-peer payment services (e.g., Zelle®), checks or mobile deposits, and online transfers are not eligible for TD Early Pay. TD Bank does not guarantee that any ACH payments will be made available before the date scheduled by the payor, and early availability of funds may vary between ACH payments from the same payor. Early availability is subject to cut-off times, any limitations we set on the amount of early availability and standard fraud prevention screening.

If an ACH payment not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Business Deposit Account Agreement (BDAA). Except as expressly set forth in the BDAA, funds made available early are subject to the same terms and conditions as other ACH payment to your account. If we’ve made funds available early and the payor reverses or requests a return of the payment, 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, up to the amount of the payment 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.