View the TD Checking and Savings Account Guides.
TD Beyond Checking
View the TD Beyond Checking Account Guide.
1Non-TD ATMs: For TD Beyond Checking, TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
2TD Beyond Checking monthly maintenance fee can be waived with one of the following: Have $5,000 or more in direct deposits within a statement cycle; OR maintain a minimum daily balance of $2,500; OR have a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.
3Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.
4While we don't require a minimum deposit to open, TD may consider your Account closed if it has a zero balance for forty-five (45) Calendar Days.
5TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
6For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.
If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA up to the amount of the deposit that was previously made available – even if you have already withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.
7Overdraft Payback automatically reverses the first two overdraft fees incurred within a calendar year (January-December); max $70 per calendar year. Overdraft Payback is applied first, regardless of the Grace Period. Once Overdraft Payback has been utilized, your account will then be reviewed for Overdraft Grace when applicable.
8Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments; Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.
9Loans subject to credit approval. A TD Bank personal checking account is required to be eligible for a 0.25% HELOC interest rate discount. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan, 0.25% interest rate discount requires automatic payment deduction from a personal TD Bank checking or savings account. This discount may be terminated and the interest rate on this account may increase by 0.25% upon cancellation of the automatic payment deduction.
TD Signature Savings
View the TD Signature Savings Account Guide.
*TD Signature Savings rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship rate. The same rate may apply to multiple tiers. For a complete list of each TD Signature Savings tier (with corresponding APY and minimum balances), see TD Signature Savings interest rates.
10Eligible accounts include: TD Bank Personal Mortgage, Home Equity or Credit Card OR an active Personal or Small Business Checking account WITH at least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month OR an Active Personal or Small Business Checking account WITH a direct deposit each calendar month.
11Non-TD ATMs: For TD Signature Savings accounts, TD fees waived regardless of balance, and non-TD fees, which includes any surcharges at the time of your transaction, will be reimbursed when the minimum daily balance in the TD Signature Savings account is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
12While we don't require a minimum deposit to open, TD may auto close your Account if not funded within forty-five (45) Calendar Days from account opening.
13If your linked account doesn’t have sufficient funds to cover your overdraft, a $35 overdraft fee may apply for each paid transaction (up to 3 fees per day per account).
14TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
TD Simple Savings
View the TD Simple Savings Account Guide.
15For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.
16Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.
17While we don't require a minimum deposit to open, TD may auto close your Account if not funded within forty-five (45) Calendar Days from account opening.
18If your linked account doesn’t have sufficient funds to cover your overdraft, a $35 overdraft fee may apply for each paid transaction (up to 3 fees per day per account).
19TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
Canada
US
