TD Bank Bonuses: $200, $300, $500 Checking, Savings, Business Promotions

Find the latest TD Bank bonuses, promotions, and offers here.

Update 10/4/24: The $500 checking & savings bonus has been extended through 10/31/24 and there is now a $500 business checking bonus available through 11/30/24.

About TD Bank Bonuses

Established in 1852, TD Bank is based in Wilmington, Delaware. TD Bank has about 1,300 branch locations throughout the following states: Connecticut, District of Columbia, Delaware, Florida, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont.

TD Bank Checking & Savings $500 Bonus

• Learn More at TD Bank
• What you’ll get: $500 bonus
• Eligible account: Checking & Savings
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 
• Credit inquiry: Soft pull, which does not affect your credit
• Direct Deposit Required: Yes
• Monthly Fee: Up to $25 monthly service fee; waivable (see below)
• How to earn it:
  • $300 checking bonus:
    • Open a TD Beyond Checking account.
    • Have $2,500 total in qualifying direct deposits post to the account within 60 days.
    • Earn $300. Bonus will be paid on or before 180 days after account opening.
  • $200 checking bonus:
    • Open a TD Complete Checking account.
    • Have $500 total in qualifying direct deposits post to the account within 60 days.
    • Earn $200. Bonus will be paid on or before 180 days after account opening.
  • $200 savings bonus:
    • TD Signature Savings – Earn $200 when you deposit at least $10,000 within the first 20 days and maintain at least a $10,000 balance for 90 additional days from the 20th day after account opening.
    • TD Simple Savings – Earn $200 when you deposit at least $10,000 within the first 20 days and maintain at least a $10,000 balance for 90 additional days from the 20th day after account opening.

(Expires 10/31/2024)

Editor’s Note: Here’s an alternative link to the offer with an expiration date of 10/31/24.

Fine Print

• Offer valid March 4, 2024 through October 31, 2024 and is available only when opening through a qualifying website and who qualify as outlined below.
• 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. Your direct deposits need to be an electronic deposit of your paycheck, pension, government benefits (such as Social Security) from your employer or the government 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.
• 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 your new account on or before 180 days of account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking and/or savings 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.
• 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.

TD Bank $500 Business Checking Bonus 

• Learn More at TD Bank
• What you’ll get: $500 bonus
• Eligible account: Business Checking
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 
• Credit inquiry: Soft pull, which does not affect your credit
• Direct Deposit Required: No
• Monthly Fee: $10-$15, waivable
• How to earn it:
  • To qualify for the $500 Cash Back Offer: You must open a new 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.

(Expires 11/30/2024)

Fine Print

• Offer valid October 1, 2024 through November 30, 2024 and is available when opening a qualified Checking account at a TD Store or online.
• Checking Bonus: You will not qualify for the Checking Bonus 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.
• To qualify for the $500 Cash Back Offer: You must open a new 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.

TD Bank Beyond Checking $300 Bonus

New customers only. Apply online for a new TD Bank Beyond Checking^SM Account and get a $300 cash bonus.

• What you’ll get: $300 bonus
• Eligible account: TD Bank Beyond Checking^SM
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 
• Credit inquiry: Soft pull, which does not affect your credit
• Direct Deposit Required: Yes
• Monthly Fee: $25 monthly service fee waived with one of the following:
  • $5,000 or more in direct deposits within a statement cycle
  • $2,500 minimum daily balance is maintained
  • $25,000 minimum daily combined balance of all deposit accounts, all outstanding loan accounts, and/or mortgages in good standing (excludes credit card) that you choose to link
• How to earn it:
  • Open a new TD Beyond Checking^SM account online using the offer link.
  • Earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account.
  • Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening.
  • To qualify for this offer, you must be a U.S. resident and apply for the offer online.

(Visit TD Bank to learn more)

All TD Bank checking features includes free mobile banking and free bill pay. You’ll have free access to thousands of TD ATMs and live customer service.

Account Features

• Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
• Get more from your checking account. With TD Beyond Checking with Payback Plus, you’ll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more.
• Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
• TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
• Get overdraft fees automatically reversed up to two times a year.
• Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
• TD checking accounts come with an instant-issue debit card – and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
• Monthly maintenance fee waived on one TD Simple Checking^SM account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

Fine Print

• Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank.
• Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
• Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening.
• Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus.
• Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change.

TD Complete Checking $200 Bonus

• What you’ll get: $200 bonus
• Eligible account: TD Complete Checking
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 
• Credit inquiry: Soft pull, which does not affect your credit
• Direct Deposit Required: Yes
• Monthly Fee: $15 monthly maintenance fee waived if:
  • Have $500 or more in direct deposits within a statement cycle; or
  • Maintain a minimum daily balance of $500; or
  • Have $5,000 minimum daily combined balance of all deposit accounts that you choose to link; or
  • When the Primary account holder is 17 through 23 years of age
• How to earn it:
  • Open a new TD Complete Checking account online using the offer link.
  • Earn $200 when you have direct deposits of $500 or more within 60 days of opening your account.
  • Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 180 days from account opening.

(Visit TD Bank to learn more)

Account Features

• 3 different ways to waive the $15 monthly maintenance fee, including direct deposits
• Build savings by waiving the monthly maintenance fee on one linked personal savings account of your choice
• A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
• Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that’s open early, late, and weekends.
• Age based perks: Monthly Maintenance fee waived if the primary account owner is aged 17 – 23, plus non-TD ATM fees waived. Free standard checks and $0 paper statement fee for aged 60+
• Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
• Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus TD Early Pay, Bill Pay, Send Money with Zelle®, Mobile Deposit and Online Statements.

Fine Print

• Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank.
• Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
• Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening.
• Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus.
• Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change.

TD Bank Student Checking $100 Bonus

• Learn More at TD Bank
• What you’ll get: $100 bonus
• Eligible account: Student Checking
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 
• Credit inquiry: Soft pull, which does not affect your credit
• Direct Deposit Required: No
• Monthly Fee: None if age 17 through 23
• How to earn it:
  • Open a TD Complete Checking account
  • Make 15 qualifying debit card purchases within 60 days of opening account.
  • Earn $100. Bonus will be paid on or before 180 days after account opening.

(Limited time offer)

Fine Print

• Offer available when opened through a qualifying website or in a TD Bank Store. 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. To receive the $100 checking bonus, you must: 1) Open a new TD Complete Checking account; AND 2) Complete a minimum of 15 TD Visa® Debit Card purchases within 60 calendar days of the account opening date.
• Your Visa® Debit purchases need to be transactions made using your TD Visa® Debit Card to buy goods and services and are net of returns and other adjustments. Net qualifying purchases are determined in the sole discretion of TD Bank and must be posted to your new checking account within 60 calendar days of account opening. Withdrawals made at the ATM do not qualify.
• After you have completed the requirements outlined above, we’ll deposit the bonus in your new account on or before 180 days of 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.
• Eligibility may be limited based on account ownership. The primary owner of the new personal checking 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.

TD Bank $50 Referral Bonuses

TD Bank offers members a chance to earn $50 in bonus(es) when you refer your friends and family to open up a new personal checking account.

• What you’ll get: You and your referee will each earn $50
• Eligible account: Personal Checking Account
• Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
• Direct Deposit Required: Yes
• Monthly Fee: $15 or 25; waivable
• How to earn it:
  • If you haven’t already, stop by a TD Bank and open up an account with them.
  • Download the referral form and print it out.
  • Hand the referral form out to your friends & family.
  • Your referee must bring the form into a TD Bank branch and open up a Checking account with them.
  • Checking account must include direct deposit of at  least $250 or make 15 debit card purchases within 60 days of opening the account
  • You and your friend will receive a $50 bonus once all of the requirements are met.

(Limited time offer)

All TD Bank checking features includes free mobile banking and free bill pay. You will have free access to thousands of TD ATMs and live customer service.

Fine Print

• Referred customer must open a new TD Bank personal checking account as the primary owner and can’t have any existing or prior personal TD checking accounts.
• Referring customer must be a current TD Bank personal checking customer.
• Referred customer must receive a direct deposit of $250 or more, or make a minimum of 15 debit card purchases within 60 days of the new account opening to receive this bonus.
• $50 will be deposited 60 days after the requirements have been met as long as accounts are open and in good standing.
• Only one bonus will be provided per referred customer.
• You can receive up to 10 referral bonus deposits (totaling $500) per calendar year.
• This offer may be withdrawn at any time

TD Bank $200 TD Savings Bonus (Expired)

Earn $200 and earn a relationship bump rate when you link an eligible TD account. Additionally, you’ll receive free perks with this account as well.

• What you’ll get: $200 bonus
• Eligible account: TD Beyond Savings or TD Simple Savings
• Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
• Direct Deposit Required: No
• Monthly Fee:
  • TD Beyond Savings: $15 fee can be waived by:
    • Keeping a $20,000 minimum daily balance. Or
    • Linking your savings account to a TD Beyond Checking Account.
  • TD Simple Savings: $5 monthly fee can be waived several ways:
    • Keeping a $300 minimum daily balance.
    • Link your savings account to a TD Beyond Checking account.
    • Make recurring $25+ transfers from your linked TD Bank checking account.
    • If you’re under 24, link your savings account to a TD Convenience Checking account.
    • Waived automatically if you’re 18 or under/62 or older.
• How to earn it:
  • Open a TD Bank Beyond Savings account and deposit at least $20,000 in new funds in the first 20 days and keep at least a $20,000 daily balance for 90 days.
  • Open a TD Bank Simple Savings account and deposit at least $10,000 in new funds in the first 20 days and keep at least a $20,000 daily balance for 90 days.

(Expired 09/22/2024)

The information for the TD Savings account has been collected independently by Bankcheckingsavings. The product details on this page have not been reviewed or provided by the bank.

Fine Print

• Offer valid through September 22, 2024 and is available only when opening through a qualifying website and who qualify as outlined below. 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 your new account on or before 180 days of account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new savings 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.
• 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.

TD Business Convenience Checking Plus

If you’re looking to open a new business checking account, the TD Business Convenience Checking Plus account has all the essential account features you need to run your business.

• Waive the monthly fee with a $1,500 minimum daily balance between this account and a TD personal checking account
• Send money where it needs to go with ACH, Bill Pay and Wire Transfers
• Pay with confidence with the TD Visa® Business Debit Card and continuous fraud monitoring
• Get up to 500 free transactions each month
• Up to $5,000 free in cash deposits processed free each month

This account is ideal if you want to get rewarded for your personal checking balances and maintain a moderate amount of transactions. This account includes convenient & hassle-free services services like free instant issue Visa debit card, online banking, and 24/7 live customer service.

Learn more.

TD Bank Checking Account Benefits

With a TD Bank checking account, you can expect these perks:

• Savings Overdraft Protection. If you link a savings or money market account to your checking account, the funds from the money market or savings accounts will automatically be transferred to cover an overdraft. Keep in mind that a transfer fee may apply (this is waived on some accounts), but you’ll save on overdraft fees (this service is optional that requires enrollment).
  • In addition, you can set up custom email alerts to alert you when you reach certain balance levels ($500, $300, $100, etc) to help you avoid overdrafts.
• Instant debit card replacement. If you happen to lose your debit card, you can simply stop by your local TD Bank branch and get a new card.
• Loan rate discounts. If you have a TD Bank checking account, you’ll get a 0.25% discount when you apply for a Personal Loan or a Home Equity loan (you must enroll in autopay from your personal TD Bank checking or savings account).
• No foreign transaction fees. You’ll pay no foreign transaction fees when you travel abroad and use your TD Bank debit card.
• Send money with Zelle. You can easily send money to anyone with just a U.S. phone number or U.S. email address using Zelle.

How To Avoid Monthly Fees

• TD Complete Checking: $15 monthly maintenance fee waived if:
  • Have $500 or more in direct deposits within a statement cycle; or
  • Maintain a minimum daily balance of $500; or
  • Have $5,000 minimum daily combined balance of all deposit accounts that you choose to link; or
  • When the Primary account holder is 17 through 23 years of age
• TD Beyond Checking: $25 monthly maintenance fee
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more,
  • Or maintain a minimum daily balance of $2,500, or maintain a combined balance of $25,000 across eligible TD accounts.
• TD Beyond Savings: $15; See below on how to waive
  • Keep a $20,000 minimum daily balance.
  • Link your savings account to a TD Beyond Checking account.
• TD Simple Savings: $5; See below on how to waive
  • Keep a $300 minimum daily balance.
  • Link your savings account to a TD Beyond Checking account.
  • Make recurring $25+ transfers from your linked TD Bank checking account.2
  • If you’re under 24, link your savings account to a TD Convenience CheckingSM account.3
  • Waived automatically if you’re 18 or under/62 or older.
• TD Business Premier Checking: $30, first 3 statement cycles waived. Meet one of the following requirements to waive the monthly fee:
  • Maintain $40,000 combined balances in your business deposits and one TD personal checking account
  • Active TD Merchant Solutions
  • Active TD Digital Express
  • TD Small Business Loan or Line of Credit
• TD Business Convenience Checking Plus: $25 monthly fee waived with $1,500 combined minimum daily balance with one TD personal checking account
• TD Business Simple Checking: Low $10 monthly fee—no minimum daily balance required

Conclusion

To be eligible for these TD Bank bonuses, new customers are only required to open an account and follow certain requirements.

TD Bank offers a variety of accounts to suit your financial needs and offers monthly fee waivers if you follow their simple requirements.

If you live in a qualifying State, you have the chance to score a TD Bank bonus with a new checking account.

If you don’t live in TD Bank’s footprint, be sure to visit our popular bank bonuses page.

Let us know in the comment section about your experience of opening an account with TD Bank.

We appreciate you visiting our website, and be sure to check back often for the latest TD Bank bonuses, promotions, and offers!