TD Bank is offering a $300 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $500.
If the $2,500 in direct deposit is too high, they're also running a smaller offer with only a $500 deposit requirement.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
If you're eligible, we definitely recommend claiming this easy bonus.
Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
How To Earn The Bonus
The TD Bank Beyond Checking promotion requires you to set up eligible direct deposits in order to earn the $300 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- 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 qualify, the direct deposit must be a recurring deposit of a paycheck, pension, or government benefits (such as Social Security) electronically deposited by an 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.
- If the account is closed within 6 months of the account opening, TD reserves the right to deduct the bonus amount at account closing.
Open a Beyond Checking account before the bonus expires on June 30, 2025
How does this personal checking offer from TD Bank compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 123 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Bank of America
Advantage Banking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 23 days
- Requires
- Direct Deposit
Why TD Bank?
TD is the 8th largest bank in the U.S., with more than 1,100 physical locations – primarily in the Eastern states. TD Bank offers straightforward accounts, user-friendly online and mobile banking, and generous customer service hours (including extended branch hours). Their retail investing products under the TD Ameritrade brand are now part of Charles Schwab; however, they still offer wealth management, financial advising and an automated investing product.
On the downside, however, TD Bank's checking interest rates are low (though they have pretty competitive signature savings and CD rates). To remain competitive, they've recently changed/decreased many of their fees (some are easily waivable, like their monthly maintenance fees, while others offer a couple of reimbursements each year, like their $35 overdraft charge).
If you're located in one of the targeted states (mostly along the East Coast), we definitely recommend their welcome bonuses. The requirements are relatively easy for the cash given, and they regularly offer both checking and savings account promos that you can stack.
Learn more in our TD Bank review
Beyond Checking
Beyond Checking is TD Bank's premium checking account. It's interest-earning, offers free ATMs (TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance), an instant-issue debit card, and a maintenance waiver for any linked savings accounts.
As with all TD Bank products, you'll be able to manage your account online or using their mobile app, or get in-person service if you live near a branch. They have over 1,100 locations from Maine to Florida that are open early, late, and on weekends.
Fees
Beyond Checking does charge a monthly maintenance fee of $25, but there are ways to get this waived:
- $5,000 or more in direct deposits within a statement cycle
- OR, Maintain a $2,500 minimum daily balance
- OR, have a $25,000 minimum daily combined balance across eligible TD accounts.
Apply now for a Beyond Checking account to earn the $300 bonus offer
Share Your Thoughts or Questions
There have been 14 comments about the TD Bank Beyond Checking $300 Bonus.
Astro
March 17TD bank requires a mailer promo code to open in person. I lost mine and the representative said they will not open the checking account.
ReplyReply to Astro
BOB
February 16ADMIN- On the TD website, it says this promo expires on Feb 28, 2025, but when I click your link, it brings me to a landing page that says in the footnotes that = OFFER GOOD FROM MARCH 25- APRIL 30, 2025, so it looks like there may be a period from March 1 to March 24, where this offer may NOT be Valid. Can You research & update for us all? Here is the #1 footnote from their website ...
- 1 - Offer valid March 25, 2024 through April 30, 2025 and is available only when opening through a qualifying website and who qualify as outlined below.
You will not qualify for the Checking Bonus if you are an existing TD Bank personal checking Customer OR ...
Reply to BOB
Patrick Boviall
May 30, 2024The online application always tells me to come into the bank.
ReplyReply to Patrick Boviall
John
November 15, 2023I'm sad that this isn't available in GA - I'd definitely do so if it was.
ReplyReply to John
Leeloo Dallas
November 14, 2023Reading is fundamental when it comes to the fine print. For TD Bank Checking and Savings promotions, it is a one-and-done event. For bank bonus pros, you can remove this one from your rotation until they change the requirements.
ReplyReply to Leeloo Dallas
Jon Snow
November 13, 2023After you get the bonus, you can downgrade your account to “TD Convenience Checking”, which requires just $100 to avoid the monthly maintenance fee.
ReplyReply to Jon Snow
BOB
March 17 Replying to Jon SnowWe just completed the BEYOND bonus for $300. After they paid us, they allowed us to downgrade to Complete Checking, which is only a $500 min balance, vrs a $2500 balance. They would not allow us to downgrade to Convenience chkg, with 100 min balance, as they said it would void the promo and they said after 6 months when we close our account, they COULD take back the bonus. So, we were happy enough with a 1 level downgrade, not 2
ReplyReply to BOB
Ankit Jain
November 11, 2023If you have received this bonus in the past on a checking and/or savings account, you do not qualify again. This is clear from the terms of the offer
ReplyReply to Ankit Jain
Mark K
March 11, 2024 Replying to Ankit JainI did a similar offer 2 years ago. So where does it say "If you have received this bonus in the PAST on a checking and/or savings account, you do not qualify again"
ReplyReply to Mark K
Jackie
November 7, 2023While I liked earning the bonus, we had some issues with TD which will prevent us from doing business with them again in the future.
ReplyReply to Jackie
Klaus Pohlmann
November 6, 2023TD bank has/had a Beyond Checking bonus of $300! The easy qualifications are to Direct Deposit $2500 within 60 days. Bam! To avoid the $25/month maintenance fees you gotta keep a balance of $2500. Not crazy about keeping that balance in there, but shuffling money around earns money!
ReplyReply to Klaus Pohlmann
Rahul
November 5, 2023Loved this offer and like banking with TD bank. Also signed up for TD bank's credit card offer.
ReplyReply to Rahul
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