TD Bank Bonus: $300 Beyond Checking & $200 Convenience Checking℠ Offers

Find TD Bank promotions, bonuses and offers for their Checking and Savings accounts here.

Established in 1852, TD Bank is headquartered in Wilmington, Delaware and is the state’s second largest bank. TD Bank Group has an ownership interest in TD Ameritrade Holding Corporation, the parent company of TD Ameritrade, Inc.

TD Bank is the 10th largest bank in the U.S. and has more than 1,100 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.

They offer various account options, easy-to-use online and mobile banking, and extensive hours for customer service.

If you live in one of the targeted states, which are mostly on the East Coast, their welcome bonuses are a must. The requirements for getting the cash aren’t too hard, and they sometimes have promotions for both checking and savings accounts that you can combine.

TD Bank Bonus: $300 Beyond Checking Offer

• What you’ll get: $300 bonus
• Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VA, VT
• How to earn it:
  • 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.

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, 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 Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

TD Bank Bonus: $200 Convenience Checking℠ Offer

• What you’ll get: $200 bonus
• Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VA, VT
• How to earn it:
  • Earn $200 when you receive direct deposits totaling $500 or more within 60 days
  • Low minimimum daily balance of $100 waives the $15 monthly maintenance fee.
  • Students and young adults ages 17 through 23 get additional perks like no minimum balancerequirements and no monthly maintenance fee.
  • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you
  • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TDBank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
  • TD checking accounts come with an instant-issue debit card – and, you can pay with confidence withcontactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Get a 0.25% discount on TD Bank Home Equity and Personal Loans.

TD Bank Bonus: $50 Referral Offer

• What you’ll get: $50 each
• Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VA, VT
• How to earn it:
  • Download, print and complete the 3 “Referred by” fields in their referral form found at at the offer link.
  • Give the completed referral form to your friend – you can refer 10 friends each year and earn up to $500.
  • Direct your friend to a nearby TD Bank store where they can bring the referral form to open a personal checking account.
  • The newly referred customer must open any TD Bank personal checking account at a TD Bank Store and receive a qualifying direct deposit of at least $250 into the new checking account within 60 days of account opening OR complete a minimum of fifteen (15) qualifying TD Bank Visa® Debit Card purchases within 60 days of the account opening date.

Fine Print

• To qualify for the $50 Refer a Friend Bonus, the newly referred customer must open any TD Bank personal checking account at a TD Bank Store and receive a qualifying direct deposit of at least $250 into the new checking account within 60 days of account opening OR complete a minimum of fifteen (15) qualifying TD Bank Visa® Debit Card purchases within 60 days of the account opening date.
• Qualifying direct deposits include your paycheck, pension, government benefits (such as Social Security), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account of at least $250 each.
• Person-to-Person and bank transfers between your TD Bank and any other accounts you have at other financial institutions or brokerages do not qualify.
• Qualifying Visa® Debit Card purchase transactions are those made using a TD Visa® Debit Card to buy goods and services and are net of returns and other adjustments.
• ATM withdrawals do not qualify. Net qualifying purchases are determined in the sole discretion of TD Bank and must post to the new account within 60 days of account opening.
• Referred customer must provide completed Refer a Friend paperwork upon account opening.
• Referred customer must not have any existing or prior personal checking accounts with TD Bank within the preceding 12 months.
• Once the offer criterion is met, the bonus will be credited into the new personal checking account and the referring customer’s personal checking account no later than 95 days from the new account opening date.
• Accounts must remain open, active, and in good standing in order to receive the bonus.
• If the checking account is closed by the customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing.
• TD Bank 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 and is subject to change.
• Referring customers may receive up to ten (10) Refer a Friend Bonuses ($500 total value) within a calendar year.
• TD Bank Employees and Canadian cross-border banking customers are not eligible.

TD Bank Bonus Important Details & FAQs

If you close your account with TD Bank, your bonus can be taken back.

Keep your TD checking or savings account open for at least six months if you get a welcome bonus for opening one. TD Bank has the right to deduct the amount of the incentive you got if you close your account within six months of account opening.

Your Bonus From TD Bank Might Be Taxable

Banking bonuses are typically treated as income for tax purposes. The value of your TD Bank sign-up bonus could be reported to the IRS on a 1099-MISC or other document, according to TD Bank’s advice.

When calculating your overall return on any given deal, keep this in mind.

The only time you can earn a bonus from TD Bank is if you’re a new customer.

New clients who have not previously held a similar account type at TD Bank during the previous 12 months are eligible for the bank’s new-account bonuses. If you’ve recently had a personal checking relationship with TD Bank, you won’t be eligible for a checking account bonus.

In the US, TD Bank Has a Small Retail Presence

In 15 East Coast states and Washington, D.C., TD Bank has branch locations. Make sure you reside in a TD Bank region if you anticipate needing to visit a bank in person.

How can I learn more about TD Bank’s new account bonuses?

Most of the current offerings from TD Bank are available right here. The targeted deals that TD Bank occasionally runs may be slightly different from what you see here. To be eligible for those, you must have obtained the promotional materials directly from TD Bank.

Can I receive more than one TD Bank promotion?

Most likely not. The majority of promotions are only accessible to new TD Bank clients, and you often only have one chance to claim a specific account type bonus.

For instance, collecting a bonus for your TD Beyond Checking account does not prevent you from receiving a bonus for your TD Savings account. However, it would prevent you from additionally receiving the TD Convenience Checking℠ bonus.

How long does it take TD Bank to pay out bonuses?

Payouts for account bonuses can differ, not just from bank to bank but also from offer to offer.

The incentive for brand-new checking accounts is normally paid by TD Bank in 3 to 4 months, but could take up to 180 days per the fine print. Compared to Chase, which guarantees to credit your bonus within 15 days, this is a little longer.

Bottom Line

Given that you live on the East Coast, TD Bank is one of our top recommendations among large national banks and may be a perfect fit for you.

They provide a wide range of products to choose from, including CDs, credit cards, several different checking accounts, and savings and money market accounts.

TD Bank was the top-rated national bank in 2019 for customer satisfaction in J.D. Power’s extensive analysis of banking customers’ experiences. TD Bank had the greatest ratings in the study for convenience, branch service, and online banking satisfaction.

In 2021, TD Bank ranked third, performing best in the people factor for its outstanding call center staff, tellers, and representatives.

When it comes to bonuses for new customers, TD Bank’s promotions are on par with those of other large banks. If you want to switch banks and are eligible for TD Bank’s bonus offers, opening a checking or savings account with the bank can boost your account balance.

The same advice applies here as it does everywhere else: only establish a new account with a bank that actually helps you financially, not only to take advantage of a bonus.

If you don’t reside in one of their regions, see this Bank Bonuses Page for other offers from banks like HSBC, Chase Bank, Bank of America, BMO Harris and more.

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