TD Bank Promotions

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.

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 for July 2020: $150 and $300. View TD Bank offers for new accounts below.

Member FDIC

TD Beyond Checking - $300 Cash Bonus

Get Deal

• New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
• 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, Rush Bill Payments and more.
• 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 a combined balance of $25,000 across eligible TD accounts.
• TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
• Overdraft Payback - 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 Zero Liability protection and 24/7 fraud monitoring.
• Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

Member FDIC

TD Convenience Checking℠ - $150 Cash Bonus

Get Deal

• New customers who apply online for a TD Convenience Checking℠ account can earn a $150 cash bonus after receiving direct deposits of $500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
• Earn $150 when you receive direct deposits totaling $500 or more within 60 days
• Low minimimum daily balance of $100 waives the $15 monthly fee.
• Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
• Instantly replace a lost or worn debit card by visiting a TD Bank location near you
• Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
• Get a 0.25% discount on TD Bank Home Equity and Personal Loans

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 fee cannot be waived.

• TD Convenience Checking. The $15 monthly service fee can be waived if you maintain a minimum daily balance of $100 or if the Primary account holder is age 17 through 23.

• TD Beyond Checking. The $25 monthly service 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 service 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 service fee can be waived if you maintain a minimum daily balance of $250.

• TD Student Checking. This account has no monthly service fee and no minimum balance requirements if you're a full-time student under 24.