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.
Bank
TD Bank Savings Bonus — Up to $200 + $25
Apply to TD Bank Savings Bonus and earn up to $225 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $10,000 | $200 |
Hold Period
90 days from 20th day after account opening
Qualifying Period
20 days
Payout
On or before 180 days of account opening
Requirements
- ✓Deposit at least $10,000 within first 20 days of account opening
- ✓Maintain at least $10,000 balance for 90 additional days from the 20th day after account 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 clawback
- ✓Maintain at least $10,000 balance for 90 additional days from day 20
- ✓Deposit at least $10,000 within the first 20 days of account opening
- ✓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
Restrictions
- ⚠New customers only
- ⚠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 existing TD Bank personal savings or money market customer
- ⚠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
- ⚠New savings customers 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
Fees
- 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)
- 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)
- 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
- Account must not be closed or restricted at time of payout
- 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
- TD Bank Employees and Canadian Cross-border banking Customers are not eligible
- Bonus reported as taxable income on IRS 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
- 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
- If account closed within 6 months after opening, TD Bank reserves right to deduct bonus amount at closing
- 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
- Bonus will be reported as taxable income on Form 1099-MISC
- 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
- Offer may be withdrawn at any time
- 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
Total potential bonus
$225
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$200 (sign-up) + $25 (referral) = $225 total
Offer expires July 29, 2026
Last updated July 10, 2026
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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
- 20 days
- Payout timeline
- On or before 180 days of account opening
- Hold period
- 90 days from 20th day after account opening
How to qualify
- Deposit at least $10,000 within first 20 days of account opening
- Maintain at least $10,000 balance for 90 additional days from the 20th day after account 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
Common pitfalls
- New customers only
- 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
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 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 July 29, 2026.
Can TD Bank Savings Bonus stack with a referral?
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 20 days.
When does TD Bank Savings Bonus pay out?
The payout timeline listed for TD Bank Savings Bonus is On or before 180 days of account opening.
