Save time by adding a savings account

View the TD Checking and Savings Account Guides.

TD Essential Banking

View the TD Essential Banking Account Guide.

¹Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee. For example, preauthorized transactions and other transactions may post to your Account even when the balance in your Account is not sufficient to pay the transaction.

²If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. For the TD Essential Banking account the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

³While 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.

⁴TD 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.

⁵For 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.

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.

⁶Eligible 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.

⁷Non-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.

⁸While 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.

⁹If 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).

¹⁰TD 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.

¹¹For 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. 

¹²Annual 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.

¹³While 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.

¹⁴If 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).

¹⁵TD 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.