TD Bank is offering a $200 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 $400.
This is the highest we've seen this offer so now might be a great time to jump on it if you've been on the fence.
This is the smaller of 2 personal checking welcome offers that TD is currently running, with the other requiring a $2,500 direct deposit for a $300 bonus.
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 Complete Checking promotion requires you to set up eligible direct deposits in order to earn the $200 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
- 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.
- 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 Complete Checking account before the bonus expires on January 1, 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
Smart Advantage Checking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 48 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Upgrade
Rewards Checking Plus
- Bonus
- $200
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
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
Complete Checking
Fees
Complete Checking does charge a monthly maintenance fee of $15, but there are ways to get this waived:
- Have $500 or more in direct deposits within a statement cycle
- OR, Maintain a minimum daily balance of $500
- OR, Have a $5,000 minimum daily combined balance of all deposit accounts that you choose to link.
Apply now for a Complete Checking account to earn the $200 bonus offer
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