Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Deposit at least $10,000 within first 20 days of account opening
Maintain at least $10,000 balance for 90 additional days from 20th day after account opening
Account must remain open, active, and in good standing through qualifying period
Min $10,000 deposit within first 20 days of account opening
Common pitfalls
New personal savings customers only
Not eligible if existing TD Bank personal savings or money market customer
Not eligible if closed previous personal savings account within 12 months
Not eligible if previously received personal savings account bonus
What makes this offer different
What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $200 sign-up bonus, $25 referral share for a total displayed potential of $225. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
✓Open a new TD Signature Savings or TD Simple Savings account
✓Maintain a minimum balance of $10,000 for 90 additional days from the 20th day after account opening
✓Maintain minimum $10,000 balance for 90 days from 20th day after account opening
✓Deposit at least $10,000 within the first 20 days of opening
✓Maintain at least $10,000 minimum balance for 90 additional days from the 20th day after account opening
✓Open TD Signature Savings or TD Simple Savings account
✓Maintain the $10,000 balance for 90 additional days from the 20th day after account opening
✓Open new TD Signature Savings or TD Simple Savings account
✓Open a TD Simple Savings or TD Signature Savings account
✓Deposit at least $10,000 within 20 days of account opening
✓Maintain the $10,000 minimum balance for 90 additional days from the 20th day after account opening
✓Open a new TD Simple Savings or TD Signature Savings account
✓Maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening
✓Maintain $10,000 minimum balance for 90 additional days from 20th day after account opening
✓Deposit at least $10,000 within the first 20 days
⚠
⚠Available in CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
⚠Not eligible if you had a previous personal savings or money market account closed within preceding 12 months
⚠Not eligible if you have received a prior personal savings or money market account bonus at any time
⚠Not available to existing personal savings or money market account holders
⚠Not available to those who had a previous account closed within preceding 12 months
⚠Not available to those who have received a personal savings or money market account bonus at any time
⚠Not available to existing TD Bank personal savings or money market customers
⚠Not available if account was closed within preceding 12 months
⚠Cannot have received a prior personal savings or money market account bonus
⚠New TD personal savings customers only
⚠No existing or prior personal savings account at TD Bank
⚠No personal savings account closed within preceding 12 months
⚠No prior personal savings account bonus received
⚠Account must remain open for 6 months or bonus forfeited
⚠Not eligible if previous personal savings or money market account closed within preceding 12 months
⚠Not eligible if received prior personal savings or money market account bonus
⚠Available only in select states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
⚠Not available if you had a previous personal savings or money market account closed within the preceding 12 months
⚠Not available if you have received a prior personal savings or money market account bonus at any time
⚠Only available in select states/regions (CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA)
⚠Not eligible if existing or former TD Bank personal savings/money market account holder in preceding 12 months
⚠Cannot have received prior savings or money market account bonus at any time
⚠Account must remain open and not closed within 6 months after opening or bonus may be deducted
⚠Not eligible if previous personal savings or money market account was closed within preceding 12 months
⚠Not eligible if have received a prior personal savings or money market account bonus at any time
⚠TD Bank Employees are not eligible
⚠Canadian Cross-border banking Customers are not eligible
⚠Available only in CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
⚠No existing TD personal savings or money market account
⚠No previous personal savings account closed within preceding 12 months
⚠No prior personal savings/money market account bonus received at any time
⚠Available in select states only (CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA)
⚠Not available if account closed within preceding 12 months
⚠Not available if received prior personal savings or money market account bonus at any time
⚠Available only when opening through qualifying website
⚠New customers only — no existing personal savings or money market account holders
⚠Cannot have received prior savings/money market bonus at TD Bank
⚠Account cannot be closed within 6 months after account opening (or bonus is forfeited)
⚠New customers only — not eligible if you are an existing TD Bank personal savings or money market customer
⚠Not eligible if you had a previous personal savings or money market account closed within the preceding 12 months
⚠Available only in CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, and VA
⚠Not available to existing TD Bank personal savings or money market account holders
⚠Not available to those who had a previous personal savings or money market account closed within the preceding 12 months
⚠Not available to those who have received a prior personal savings or money market account bonus at any time
⚠TD Bank Employees and Canadian Cross-border banking Customers are not eligible
⚠Account must not be closed or restricted at time of payout
⚠Not available if account closed in preceding 12 months
⚠Not available if received prior savings/money market bonus
⚠Available in select states only: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
⚠Not available to those who had a personal savings or money market account closed within the preceding 12 months
⚠Available in CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA only
⚠Not available if closed within preceding 12 months
⚠No prior personal savings or money market account bonus received at any time
⚠Not eligible if you are an existing TD Bank personal savings or money market customer
⚠TD Bank Employees and Canadian Cross-border customers not eligible
TD Simple Savings: $5 monthly fee (waivable)
TD Signature Savings: $15 monthly fee (waivable)
Offer available only in: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Bonus will be reported as taxable income (IRS Form 1099)
If account is closed by customer or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing
TD Bank may issue IRS Form 1099 reporting the bonus as taxable income
Eligibility may be limited based on account ownership
If account closed within 6 months of opening, TD Bank reserves right to deduct bonus at closing
Non-TD ATM fees reimbursed when maintaining $2,500 minimum daily balance
Account must not be closed or restricted at time of bonus payout
Bonus reported as taxable income on Form 1099-MISC
Balance must not fall below $10,000 minimum for even one day during 90-day maintenance period or bonus will be forfeited
Account must not be closed or restricted at the time of payout to receive the bonus
If the new savings account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing
Eligible accounts include TD Signature Savings and TD Simple Savings
If your balance falls below the required $10,000 minimum balance for even one day during the Maintenance Period (90 days from the 20th day after account opening), you will no longer qualify for the bonus
If the account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing
Bonus will be reported as taxable income on IRS Form 1099 or appropriate forms
If account closed within 6 months and bonus paid, TD may deduct bonus amount at closing
Bonus reported as taxable income on Form 1099
IRS Form W-9 may be required
Bonus will be reported as taxable income on IRS Form 1099-MISC
TD ATM fees waived; non-TD ATM fees reimbursed when maintaining a minimum daily balance (varies by account type)
TD Signature Savings requires linking an eligible TD account or maintaining specific transaction/direct deposit activity to earn relationship rate
IRS Form W-9 may be required; IRS Form 1099 will be issued
Account must not be closed or restricted at the time of bonus payout
Primary account owner may be required to complete valid IRS Form W-9
TD Bank may issue IRS Form 1099 reporting the bonus value