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.
Current TD Bank Promo Codes & Bonus Offers
Here are the active TD Bank bonuses that you can benefit from today:
Beyond Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 1, 2025
- Bonus Requirements
-
- Open a TD Beyond Checking account using the link below.
- Within 60 days, have a total of $2,500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
Complete Checking
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 1, 2025
- Bonus Requirements
-
- Open a TD Complete Checking account using the link below.
- Within 60 days, have a total of $500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
Personal Savings Account
- Bonus Amount
- $200
- Account Type
- Personal Savings
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- November 30, 2024
- Bonus Requirements
-
- Open a TD Savings account using the link below.
- Within 20 days, deposit $20,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
Summary: TD Bank's Current Bonuses
Here’s a recap of the current TD Bank promotions and offers that you can claim right now:
| Account | Account Type | Amount | Expires | Requirements | |
|---|---|---|---|---|---|
| Beyond Checking | Personal Checking | $300 | Jan 1 | Direct Deposit | Details |
| Complete Checking | Personal Checking | $200 | Jan 1 | Direct Deposit | Details |
| Personal Savings Account | Personal Savings | $200 | Nov 30 | Min Balance | Details |
Expired Offers From TD Bank
These bonuses were recently offered by TD Bank, but are not available right now.
Check back often as TD Bank may revive these deals or offer similar promotions in the future. In the meantime, it can sometimes be helpful to compare TD Bank's current bonuses to their previous deals.
Automated Investing - up to $750 bonus (Expired)
Expired: October 31, 2024
TD Bank previously offered up to $750 for opening an Automated Investing account.
To earn the bonus, you needed to:
- Open a new TD Automated Investing account with at least $1,000.
- Within 30 days, fund your new account as follows: $1,000 - $4,999, earn $50; $5,000 - $24,999, earn $150; $25,000 - $49,999, earn $250; $50,000 – $74,999, earn $450; $75,000+, earn $750.
- Maintain a minimum balance of $1,000 for 90 calendar days after your TD Automated Investing account is approved.
- Bonus will be credited to your new TD Automated Investing account within 15 calendar days of meeting eligible offer requirements
TD Ameritrade Account - up to $2500 bonus (Expired)
Expired: December 31, 2021
TD Bank previously offered up to $2500 for opening a TD Ameritrade account.
The steps to earning this bonus were:
- Open a new Individual, Joint, or IRA TD Ameritrade account.
- Within 60 days, fund your account.
- To receive $350 bonus, fund with $250,000- $499,999; To receive $700 bonus, fund with $500,000- $999,999; To receive $1,500 bonus, fund with $1,000,000-$1,999,999; To receive $2,500 bonus, fund with $2,000,000 or more.
- Bonus will be credited to the account 45 days after enrollment in the offer.
Convenience Checking℠ - $200 bonus (Expired)
TD Bank previously offered $200 for opening a Convenience Checking℠ account.
Earning this bonus required you to:
- Open a TD Convenience Checking℠ account using the link below.
- Within 60 days, have a total of $500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
TD Ameritrade Account - up to $1000 bonus (Expired)
TD Bank previously offered up to $1000 for opening a TD Ameritrade account.
The requirements for this bonus were:
- Open a new investment account through the link below (offer NC1000 already applied).
- Within 45 days make qualifying new deposits into your investment account – $25,000-$49,999 earns $100; $50,000-$99,999 earns $300; $100,000-$499,999 earns $500; $500,000+ earns $1,000.
- Bonus will post the 45th day after offer enrollment.
- Maintain funds in the account at the level which you earned your bonus for 12 months to avoid clawback.
TD Bank and TD Ameritrade Promotions FAQs
How do I find out about new account bonuses from TD Bank?
You can find most of TD Bank's active offers right on this page. From time to time TD Bank will also run targeted offers that may vary slightly from what you see here. For those, you'll need to have received the marketing material directly from TD Bank in order to qualify.
Does TD Bank offer investment account bonuses?
Technically, TD Ameritrade is a separate company owned by Charles Schwab, after the acquisition in October 2020. We list the TD Ameritrade promotions here, however, because (for now, at least) they've kept the 'TD Ameritrade' brand, along with its thinkorswim platform.
With that caveat aside, yes, TD Ameritrade often looks to attract new customers and their cash through the use of bonus offers.
To qualify, you'll usually need to open a new brokerage or retirement account, and then transfer in a certain amount of cash.
How long does it take to get paid a bonus from TD Bank?
Account bonus payouts can definitely vary – not only from bank to bank, but even from offer to offer.
For new checking or savings accounts, TD Bank typically pays the bonus within about 3-4 months. This is slightly longer than other national banks like Chase, who promises to credit your bonus within 15 days.
For investment accounts through TD Ameritrade, promotions pay out a bit quicker – typically within 45 days. Keep in mind, however, that the fine print often requires you to maintain your cash in your new investment account for at least 12 months, or you may forfeit the bonus you'd received.
Can I get multiple TD Bank promotions?
Probably not. Most offers are only available to new TD Bank customers, and you usually only get one shot at a particular bonus.
Keep in mind that by "new", we mean new for that particular account category.
For example, receiving a TD Beyond Checking account bonus doesn't keep you from also getting a TD Savings account bonus. It would, however, exclude you from also getting the TD Convenience Checking℠ offer.
Are sign-up bonuses from TD Bank taxed?
Yes, like all bank bonuses, cash you earn from TD Bank promotions will be reported to the IRS and taxed as income. Keep this in mind when you're figuring out your total return on any given offer.
The exception to this are credit card offers. Since most credit cards require a minimum spending amount to qualify for a bonus, the reward doesn't count as taxable income.
Which TD Bank Promotion Is Best For You?
As always, our advice here remains the same: only open a new account from a bank that truly serves you financially, not just to claim a bonus.
That said, TD Bank is one of our top picks among national chains, and they very likely may be a great fit for you – particularly if you're on the East Coast.
In J.D. Power’s comprehensive study of banking customer experiences, TD Bank was the highest-rated national bank in 2019 in terms of customer satisfaction. Within the study, TD Bank ranked highest in terms of convenience, branch service, and online banking satisfaction.
In the more recent 2020 study however, TD dropped a few slots – now in 4th – but still were rated favorably by the majority of their customers.
Most TD Bank locations are open seven days a week, and they tend to have more flexible hours than other big national banks.
They offer a robust number of products, including 6 different checking accounts, 2 savings accounts, a money market account, CDs, and credit cards.
Plus, as you can see from the list above, they also offer competitive sign up bonuses that are available in a wide number of states.
Now that you know all about the promotions available from TD Bank and TD Ameritrade, you are a step or two closer to deciding whether or not it's the right banking partner for you.
Good luck!
