TD Small Business Checking

⁺Cash back offer valid May 1, 2025 and July 31, 2025 and is available when opening a qualified TD Business Checking account at a TD Store or online and meeting the criteria below.  You will not qualify for the cash back offer if you are an existing TD Bank Business Checking customer OR had a previous Business Checking account that was closed within the preceding 12 months OR have received a prior Business Checking account bonus at any time. Eligibility is determined based on the SSN/TIN of the business used to open the account. If a Sole Proprietor using an SSN also has a Personal account, the Business account would still be eligible for the promotion.

To qualify for the $500 Cash Back Offer, you must open a new TD Business Checking account. Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus or Business Premier Checking products are eligible. The criteria below must also be met:

1. Deposit a minimum of $2,500 within the first 25 days and maintain at least a $2,500 balance for 90 additional days from the 25th day after account opening.

2. Conduct 25 qualifying transactions across the first 3 statement cycles. Your eligible transactions include ACH debits/credits, bill pay, Merchant Solutions settlement transactions, incoming/outgoing wires, checks paid, Small Business Zelle transactions, Visa Business Debit card transactions, digital express remote deposits, and settlement transactions for TD Online Accounting or Tap-to-Pay on iPhone payments received.

After you have completed the requirements outlined above, we’ll deposit the bonus in your new account on or before 180 days after account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing.

TD Bank’s standard account opening requirements and conditions apply. Bonus will be subject to backup withholding to the extent applicable to you under the U.S. Internal Revenue Code if you meet certain other conditions. We may issue you an IRS Form 1099-MISC 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Offer may be withdrawn at any time.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.

View account guide for more details: TD Business Simple Checking, TD Business Convenience Checking Plus, TD Business Premier Checking and TD Business Interest Checking Plus.

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.

²Refer to the Business Deposit Account Agreement for details.

³For non-TD Bank, N.A. ATM transactions, the institution that owns the terminal (or the network) may assess a surcharge at the time of your transaction, including balance inquiries.

⁴TD Business Convenience Checking Plus combined balances includes balances from the TD Business Convenience Checking Plus account and one TD personal checking product. The following personal checking products are excluded: Health Savings Accounts and TD Simply Free Checking. Please see your Business Deposit Account Agreement for more details.

⁵Non-profit customers are eligible for waiver of the monthly maintenance fee.

⁶Business Convenience Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.

⁷Business Simple Checking in-store cash deposits up to $5,000 per statement cycle and $0.30 per $100 deposited thereafter.

⁸The TD Bank Mobile App is free to download, however, standard wireless carrier message and data rates may apply. Text "Stop" to quit or "Help" for more information. TD Bank Mobile Deposit is available to business customers with an active checking, savings or money market account. Available for most iPhone® and Android™ devices. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

⁹Fees may apply for optional services. For merchants with a TD Bank settlement account and TD Bank’s standard payment processing setup, funds will be available in the settlement account by 6 PM ET on the next business day. Availability may vary based on merchant-selected payment processing gateway and other chosen services, including but not limited to, the use of non-TD Bank settlement account. Additional restrictions apply. Please consult your Business Account Agreement for details. See the TD Bank, N.A. Member Merchant Agreement for Applicable Merchant Processing Fees and Assessments. Subject to credit approval.