Small Business checking Offer
1Business Checking Monthly Maintenance Fee waiver offer is valid for TD Small Business checking accounts opened 11/1/26 through 1/31/27 by a new Customer, one account per new Customer TIN. The waiver is based on the account opening as outlined below:
Business Premier Checking: The Monthly Maintenance Fees will be waived for the first nine months or first ten statement cycles after the account has been opened, whichever period is longer for Business Premier Checking accounts.
All other Small Business Checking accounts: The Monthly Maintenance Fees will be waived for the first six months or first seven statement cycles after the account has been opened, whichever period is longer for Business Convenience Checking Plus, Business Interest Checking Plus or Business Simple accounts.
The first statement cycle may be less than a full month. Standard pricing will resume when the waiver period listed above expires. See Business Fee Schedule for details. Account analysis checking customers are not eligible for this offer.
Small Business Lending Offer
2All Lines of Credit are subject to credit approval and the terms and conditions of the final agreements. The promotional interest rate (“Promo Rate”) is available only to: (1) new customers who do not currently hold any Lines of Credit with TD Bank, or (2) existing customers who apply for and are approved for a new Line of Credit or an increase to their existing Line of Credit, where the commitment amount of the new Line of Credit or the increased Line of Credit exceeds the total commitment amount of any existing Line(s) of Credit held with TD Bank at the time of application.
Ineligibility for Promo Rate: Renewals, refinances, modifications or replacements of existing Lines of Credit are not eligible for the Promo Rate unless the application results in an increase to the existing Line of Credit commitment amount. Borrowers who have paid off and closed Line(s) of Credit with TD Bank on or after November 1, 2025, and subsequently apply for a new Line of Credit with a commitment amount equal to or less than the total commitment amount of the closed Line(s) of Credit will not be eligible for the Promo Rate. TD Bank reserves the right to deny the Promo Rate if it determines, in its sole discretion, that an application is intended to circumvent these eligibility requirements.
Applications for the Promo Rate must be received between November 1, 2026 and January 31, 2027 to qualify. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. This offer supersedes all previous offers.
For the first 12 months after closing, Lines of Credit approved without a U.S. Small Business Administration (“SBA”) Guaranty and meeting the auto-payment qualification will bear interest at a variable rate equal to the Wall Street Journal Prime Rate (“WSJP”) + 0.00%. For the first 12 months after closing, Lines of Credit approved with an SBA Guaranty and meeting the auto-payment qualification will bear interest at a variable rate equal to the WSJP + 2.99%. After the 12-month promotional period, the applicable interest rate will change to the variable rate set forth in the final loan documents.
Based on client risk ratings and loan maturity decisions, TD Bank reserves the right to offer a lower rate than the above stated in some instances. The SBA Line of Credit rate above is based on SBA Standard Operating Procedure (“SOP”) 50 10 8.1, effective October 1, 2026, and it may change upon issuance of an updated SOP 50 10 by the SBA. See www.sba.gov for details.
Lines of Credit must be closed by April 30, 2027 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.
Merchant Solutions Offer
3Offer is available to any New Merchant account that is credit approved from 11/01/2026 through 01/31/2027 and meets the additional conditions below.
Cash Back Bonus offer will be credited to merchants based on processed volume for a three month promotional period ending the third full calendar month following their account approval date. Merchants can earn 1% cash back capped at $300 on eligible net transaction volume processed during the three month promotional period after account approval. 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 Processing Agreement will apply.
