TD Bank Promotions
Read our in-depth review of TD Bank to see why TD Bank scored 3.9 stars out of 5. We like their extended banking hours, low requirements to waive monthly fees, and no foreign transaction fees.
TD Beyond Checking - $300 Cash Bonus
Earn $300 when you have $2,500 in qualifying direct deposits within 60 days.
- Direct Deposit Required: Yes
- Minimum Deposit Required: $2,500 within 60 days
- When Do You Get It: Bonus will be paid on or before 180 days after account opening.
TD Complete Checking - $200 Cash Bonus
Earn $200 when you have $500 in qualifying direct deposits within 60 days.
- Direct Deposit Required: Yes
- Minimum Deposit Required: $500 within 60 days
- When Do You Get It: Bonus will be paid on or before 180 days after account opening.
Student Checking Account - $100 Bonus
Open a new TD Complete Checking℠ account. Make a minimum of 15 TD Visa Debit Card purchases within 60 calendar days of account opening date. This offer is available to new customers only.
- Minimum Deposit to Open: $0
TD Business Convenience Checking Plus
- 500 free transactions each month
- $5,000 in cash deposits processed free each month
- Waive the $25 monthly service fee by maintaining a $1,500 combined minimum daily balance with one TD personal checking account
- Minimum Deposit to Open: $100
TD Choice Promotional CD
Term | Standard APY |
---|---|
3 Month | 1.00% |
6 Month | 1.00% |
9 Month | 1.00% |
10 Month | 1.00% |
12 Month | 1.00% |
18 Month | 1.00% |
24 Month | 1.00% |
3 Year | 1.00% |
5 Year | 1.00% |
Rates are for Cherry Hill, New Jersey, and may vary per location.
TD Choice Promotional CD with Relationship APY
Term | Relationship APY |
---|---|
3 Month | 4.00% |
6 Month | 3.51% |
9 Month | 3.25% |
10 Month | 3.00% |
12 Month | 3.00% |
18 Month | 3.00% |
24 Month | 3.00% |
3 Year | 2.75% |
5 Year | 2.25% |
Customers must own an eligible TD Bank personal checking account to qualify for Relationship APY. Rates are for Cherry Hill, New Jersey, and may vary per location.
TD Automated Investing Account - Up to $750 Bonus
Open a new TD Automated Investing account. Fund your account with at least $1,000 within 30 calendar days of account opening. Maintain a net amount of $1,000 or more in the account for 90 calendar days. Offer is available for new TDIA (US) individual cash accounts, Traditional IRA accounts or Roth IRA accounts.
Net Deposit Amount | Bonus Amount |
---|---|
$1,000 - $4,999 | $50 |
$5,000 - $24,999 | $150 |
$25,000 - $49,999 | $250 |
$50,000 - $74,999 | $450 |
$75,000 - $99,999 | $750 |
TD Savings Account - $200 Bonus
Open a new TD Signature or TD Simple Savings account. Deposit $10,000 or more within 20 days of account opening. Maintain a balance of at least $10,000 for 90 additional days from the 20th day after account opening.
Referral Program - Up to $500 Bonus
Earn $50 for every referred client who opens a qualifying account using your referral form, and completes qualifying requirements. You can earn up to $500 per calendar year.
Compare Promotions
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
High-Yield Savings Account - 4.31% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Business Checking Account - $400 Bonus
- Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening. Must be a new Truist business checking client, Terms Apply.
- Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.
- *Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
- Minimum Deposit to Open: $100
- When Do You Get It: Within 4 weeks after the qualification requirements have been met and verified
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
First Checking - 0.10% APY
- Joint checking account for 13-17 year olds
- No fees
- Up to $12 domestic ATM fee reimbursements per month
TD Bank has 2,800 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.
Checking Account Bonuses
TD Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.
- TD Beyond Checking:
$300 Cash Bonus - TD Complete Checking:
$200 Cash Bonus
All TD Bank checking accounts offer free online banking, bill pay, mobile deposits, and 24/7 live customer service by phone.
TD Promotions for Opening a Bank Account
Find the most current TD Bank promotions, offers and sign up bonuses. View TD Bank offers for new accounts below.
TD Beyond Checking - $300 Cash Bonus
Earn $300 when you have $2,500 in qualifying direct deposits within 60 days.
TD Complete Checking - $200 Cash Bonus
Earn $200 when you have $500 in qualifying direct deposits within 60 days.
TD Business Convenience Checking Plus
- 500 free transactions each month
- $5,000 in cash deposits processed free each month
- Waive the $25 monthly service fee by maintaining a $1,500 combined minimum daily balance with one TD personal checking account
Special Checking Account Features
All TD Bank checking accounts come with these perks:
- Savings Overdraft Protection. If you link a savings or money market account, funds from those accounts will be automatically transferred to cover an overdraft. A transfer fee may apply (waived on some accounts), but you'll save on overdraft fees. This is an optional service that requires enrollment.
To avoid overdrafts, you can set up custom email alerts to alert you when you reach different balance levels ($500, $300, and $100).
- Instant debit card replacement. If you lose your debit card, just stop by a TD Bank and you'll get a new card right on the spot.
- Loan rate discounts. All TD Bank checking customers can get a 0.25% discount when you apply for a Personal Loan or a Home Equity loan. You must enroll in autopay from a personal TD Bank checking or savings account.
- No foreign transaction fees. When you travel abroad, you will pay no foreign transaction fees when you use your TD Bank debit card.
- Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.
What Experts Say
CreditDonkey reached out to an industry expert to answer one of our reader's most pressing questions:
- Should people look past a bank's promotions when they are considering opening a checking account?
Here's what he said:
How to Avoid TD Bank Checking Account Fees
- TD Simple Checking. This account has no minimum balance requirements, but the $5.99 monthly maintenance fee cannot be waived.
- TD Complete Checking. The $15 monthly maintenance fee can be waived if you 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. The $25 monthly maintenance fee can be waived if you received $5,000 monthly in direct deposits or $2,500 minimum daily balance or $25,000 combined balance across eligible TD accounts.
- TD Relationship Checking. The $25 monthly maintenance fee can be waived if you maintain a combined balance of $20,000 between TD deposit accounts, loans, and/or mortgage balances.
- TD 60 Plus Checking. The $10 monthly maintenance fee can be waived if you maintain a minimum daily balance of $250.
- TD Student Checking. This account has no monthly maintenance fee and no minimum balance requirements if you're a full-time student under 24.
Highlights
0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
1.00% APY (up to 4.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
TD Complete Checking, TD Beyond Checking, TD Essential Banking
iOS & Android
2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
24/7 Live Customer Service (Telephone)
1.00% APY (up to 4.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
over 1,100 locations
Pricing information from published website as of 06/26/2025 based on 08034 zip code.
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Learn More | Visit Site | |
TD Bank | Chase | |
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Benefits and Features | ||
Savings | 0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older. |
|
CD | 1.00% APY (up to 4.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking |
|
Mobile App | ||
ATMs | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | |
Customer Service | 24/7 Live Customer Service (Telephone) | Automated service available 24/7 |
IRA CD | 1.00% APY (up to 4.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | |
Locations | ||
Learn More | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 06/26/2025 based on 08034 zip code. Chase: Pricing information and data points from published website as of 08/26/2025. |
3-Month - 4.00% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
3-Month CD - 4.00% APY (Relationship)
APY is for Salem, Massachusetts, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
6-Month - 3.51% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
6-Month CD - 3.51% APY (Relationship)
APY is for Salem, Massachusetts, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
9-Month - 3.25% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
10-Month - 3.00% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
12-Month - 3.00% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
12-Month CD - 3.00% APY (Relationship)
APY is for Salem, Massachusetts, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
18-Month - 3.00% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
24-Month - 3.00% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
3-Year - 2.75% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
5-Year - 2.25% APY (Relationship)
APY is for Cherry Hill, New Jersey, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
5-Year CD - 2.25% APY (Relationship)
APY is for Salem, Massachusetts, and for balances below $10,000. APY may differ depending on location and balance.
- Minimum Deposit to Open: $250
TD Bank Alternatives
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
- Minimum Deposit to Open: $100
CIT Bank Platinum Savings - 4.00% APY
- 4.00% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
- Direct Deposit Required: No