TD Bank Savings Bonus (2026) - Up to $200 + $25 | Credolix
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TD Bank Savings Bonus — Up to $200 + $25 Share
Apply to TD Bank Savings Bonus and earn up to $225 in combined sign-up and referral bonuses.
Hold Period
90 days after the 20th day of account opening
Qualifying Period
Deposit within 20 days of account opening; maintain balance for 90 additional days
Payout
Within 180 days of account opening
Requirements ✓ Deposit at least $10,000 within first 20 days of account opening✓ Maintain $10,000 balance for 90 additional days from 20th day after 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✓ Maintain min $10,000 balance for 90 additional days from day 20✓ Deposit at least $10,000 within the first 20 days of account opening✓ Maintain at least $10,000 balance for 90 additional days from the 20th day after account opening✓ Maintain $10,000 minimum balance for 90 additional days from 20th day after opening✓ Account must not be closed or restricted at time of payout✓ Deposit at least $10,000 in new money within 20 days of account opening✓ Maintain $10,000 minimum balance for 90 additional days from the 20th day after account opening✓ Min $10,000 deposit within first 20 days✓ Maintain min $10,000 balance for 90 additional days from 20th day after account opening✓ Account must remain open and not restricted at time of bonus payout Account must remain open for 6 months after account opening to avoid bonus clawbackRestrictions ⚠ New TD personal savings customers only⚠ No previous savings account within preceding 12 months⚠ Cannot have received prior savings account bonus at any time⚠ One bonus per eligible customer⚠ 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⚠ New customers only⚠ No previous TD savings account within 12 months⚠ No prior TD savings account bonus received⚠ One bonus per customer⚠ New savings customers only⚠ Cannot be existing TD Bank personal savings or money market customer⚠ Cannot have had a previous savings account closed within 12 months⚠ Cannot have received a prior savings bonus⚠ Not eligible if existing TD personal savings customer⚠ Not eligible if had previous personal savings account closed within preceding 12 months⚠ Not eligible if received prior personal savings account bonus at any timeFees TD Signature Savings: $15 monthly fee (waived with $10,000 minimum balance or linked checking account) TD Simple Savings: $5 monthly fee (waived with $300 minimum daily balance, linked checking, or $25 recurring transfer) $0 account fee when maintaining $10,000 daily balance or linking to TD Beyond/Complete Checking $15 monthly fee (Signature Savings) or $5 monthly fee (Simple Savings) otherwise $15 monthly maintenance fee (waivable with $10,000 minimum daily balance or eligible linked checking account) $0 monthly maintenance fee when linked to TD Beyond Checking or TD Complete Checking account $0 monthly maintenance fee when maintaining $10,000 minimum daily balance $15 monthly maintenance fee otherwise TD Simple Savings: $5 monthly maintenance fee (waivable with $300 daily balance, linking to checking, or other methods) TD Signature Savings: $15 monthly maintenance fee (waivable with $10,000 daily balance or linking to TD checking account) TD Signature Savings: $15 monthly fee (waivable with $10,000 minimum daily balance or by linking to TD checking account) TD Simple Savings: $5 monthly fee (waivable with $300 minimum daily balance or by linking to TD checking account) $0 monthly maintenance when maintaining $10,000 minimum daily balance $0 monthly maintenance when linked to TD Beyond or TD Complete Checking account $15 monthly maintenance (TD Signature Savings) or waived with other conditions TD Signature Savings: $15 monthly maintenance fee (can be waived with $10,000 minimum daily balance or by linking to TD Beyond/Complete Checking) TD Simple Savings: $5 monthly maintenance fee (can be waived with $300 minimum daily balance or by linking to TD Beyond/Complete Checking) TD Signature Savings: $15 monthly maintenance fee (can be waived with minimum daily balance of $10,000 or by linking to eligible TD checking account) TD Signature Savings: $15 monthly maintenance fee (waived with $10,000 minimum daily balance or by linking eligible TD checking account) TD Simple Savings: $5 monthly maintenance fee (waived with $300 minimum daily balance or by linking TD checking account) TD Signature Savings: $15 monthly maintenance fee (waivable with $10,000 minimum daily balance or by linking eligible TD checking account) Account must not be closed or restricted at time of payout If account closed within 6 months of opening, TD may deduct bonus amount at closing Bonus may be reported as taxable income on IRS Form 1099 If account closed within 6 months after opening, TD Bank reserves right to deduct bonus amount at closing Bonus reported as taxable income on IRS Form 1099-MISC Account closure before payout forfeits bonus Bonus forfeited if account closed within 6 months after opening Bonus reported as taxable income on IRS Form 1099 Account must remain open, active, and in good standing to receive bonus Bonus will be reported as taxable income on Form 1099-MISC Offer is available only to person addressed in mailer or email; email recipients must open online through qualifying website If account is closed within 6 months after opening, TD Bank reserves right to deduct bonus amount at closing May issue IRS Form 1099 for bonus Bonus considered taxable income; IRS Form 1099 may be issued Offer may be withdrawn at any time TD Bank Employees and Canadian Cross-border banking Customers are not eligible If 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 If account is closed within 6 months of opening, TD Bank reserves right to deduct bonus amount at closing Primary account owner must complete IRS Form W-9 Bonus will be reported to IRS on Form 1099 If account closed within 6 months, TD Bank reserves right to deduct bonus amount Offer available only in select states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA Bonus reported as taxable income on IRS 1099-MISC form Only available in select states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA If account closed within 6 months after account opening and bonus paid, TD Bank reserves right to deduct bonus at closing Total potential bonus
$225
$200 (sign-up) + $25 (referral) = $225 total
Expired Offer expired September 29, 2026
Last updated September 30, 2026
Saved source PDFs
Sep 15, 2026 Change detected
Aug 8, 2026 Change detected
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How to evaluate TD Bank Savings Bonus Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist Timing
Qualifying period Deposit within 20 days of account opening; maintain balance for 90 additional days
Payout timeline Within 180 days of account opening
Hold period 90 days after the 20th day of account opening How to qualify Deposit at least $10,000 within first 20 days of account opening Maintain $10,000 balance for 90 additional days from 20th day after 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 Common pitfalls New TD personal savings customers only No previous savings account within preceding 12 months Cannot have received prior savings account bonus at any time One bonus per eligible customer 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 $2,250 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.
Frequently Asked Questions When does TD Bank Savings Bonus expire? TD Bank Savings Bonus expires on September 29, 2026.
Can TD Bank Savings Bonus stack with a referral? ✓
✓ Maintain at least $10,000 balance for 90 additional days from day 20
✓ 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 only in: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
⚠ No prior personal savings account within preceding 12 months
⚠ No prior savings bonuses received at any time
⚠ Account must remain open and unrestricted at time of payout
⚠ 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
⚠ 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 maintenance fee (waived with $300 minimum daily balance)
TD Signature Savings: $15 monthly maintenance fee (waived with $10,000 minimum daily balance or eligible linked account)
TD Simple Savings: $5 monthly fee (waivable)
TD Signature Savings: $15 monthly fee (waivable)
Bonus reported as taxable income on 1099-MISC
If account is closed within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing
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 Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.
How long do I have to qualify for TD Bank Savings Bonus? The qualifying period listed for TD Bank Savings Bonus is Deposit within 20 days of account opening; maintain balance for 90 additional days.
When does TD Bank Savings Bonus pay out? The payout timeline listed for TD Bank Savings Bonus is Within 180 days of account opening.