As of October 1, 2026, TD Bank is offering new checking and savings customers up to $500: $300 for a new TD Beyond Checking account or $200 for TD Complete Checking, plus $200 more for a new TD Signature Savings account. The offer runs through November 30, 2026.

Is This a Targeted Offer?

No. You don't need a mailer or email for this version. TD lists it on its public Special Offers page, and its terms say it's "available only when opening through a qualifying website," so start from TD's offer page and confirm the bonus shows before you apply. TD's earlier up-to-$600 offer, which ran January 12 to March 18, 2026, was "available only to the person addressed in the mailer or email." If you have a TD mailer or email in hand, check its terms against what's below, because they may differ.

Deal Details

  • TD Beyond Checking: $300 when you open the account and make $2,500 in qualifying direct deposits.
  • TD Complete Checking: $200 when you open the account and make $500 in qualifying direct deposits.
  • TD Signature Savings: $200 when you deposit at least $10,000 within 20 days of opening, then keep at least $10,000 in the account for 90 more days, counting from day 20.
  • Totals: $500 with Beyond plus Savings, or $400 with Complete plus Savings.
  • Deadline: November 30, 2026.

Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security) of at least $250 each. Person-to-person payments and transfers between your own accounts, at TD or anywhere else, don't count.

How to Take Advantage

  1. Open the account online, starting from TD's offer page, choosing Beyond or Complete, and add Signature Savings if you want the extra $200.
  2. Point a paycheck or other qualifying direct deposit at the new checking account until you reach $2,500 (Beyond) or $500 (Complete).
  3. For the savings bonus, move in $10,000 within 20 days and leave it there for the next 90.

Who Qualifies

TD's terms rule you out of the checking bonus if you already have a TD personal checking account, closed one in the past 12 months, or have ever received a TD personal checking bonus. The savings bonus has the same three tests for personal savings and money market accounts. TD employees and Canadian cross-border banking customers aren't eligible.

Fees and Payout

  • TD Beyond Checking: $25 a month, waived with $5,000 in direct deposits in a statement cycle, a $2,500 minimum daily balance, or a $25,000 minimum daily combined balance across linked TD accounts.
  • TD Complete Checking: $15 a month, waived with $500 in direct deposits in a statement cycle, a $500 minimum daily balance, or a $5,000 minimum daily combined balance across linked personal deposit accounts. TD also waives it for primary account holders ages 17 through 23.
  • TD Signature Savings: $15 a month, waived with a $10,000 minimum daily balance or when the account is linked to a Beyond or Complete checking account.

TD pays the bonus into the new account on or before 180 days from opening. If you or TD close the account within 6 months and the bonus has been paid, TD can take the bonus back at closing. TD may also report the bonus on an IRS Form 1099; our explainer on why bank bonuses are taxable covers what that means.

Which Combination Is Worth It

The checking bonus is the easy part if you can move a paycheck. Say your take-home pay is $1,300 every two weeks. Two paychecks clear the $2,500 Beyond requirement, and the first one alone clears Complete's $500. Beyond pays more but carries the $25 fee unless you meet a waiver, so pick Complete if $5,000 in direct deposits per statement cycle or a $2,500 minimum daily balance isn't realistic for you.

The savings half only makes sense if you can have $10,000 in the account by day 20 and leave it there for 90 more days. If you have a larger balance to place, compare Citizens' up to $3,000 offer and Chase's $900 checking and savings bonus.

TD's offer ends November 30, 2026.

Sources

  1. TD Bank: Checking and savings bonus offer and terms (through November 30, 2026)
  2. TD Bank: Special Offers page (lists the up-to-$500 checking and savings offer publicly)
  3. TD Bank: Beyond Checking bonus application page and terms
  4. TD Bank: Complete Checking bonus application page and terms
  5. TD Bank: earlier mailer-only offer page (January 12 to March 18, 2026)

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