TD Bank $400 Checking & $1,000 Savings [In Branch, CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Update 7/21/26: Reposting as it seems available in all locations.

Offer at a glance

Maximum bonus amount: $1,400

Direct deposit required: Yes, $500+ for $150 bonus or $2,500 for $300 bonus

Additional requirements: See below

Hard/soft pull: Soft

ChexSystems: No

Credit card funding: None (a lot of cards process as cash advance)

Monthly fees: Up to $25, waive-able

Early account termination fee: Six months, bonus forfeit

Household Limit: None mentioned

Expiration date: 8/31/26

The Offer

No direct link to offer, available in branch at NYC locations.Not sure if available at other locations

TD Bank is offering a a checking & savings bonus of up to $1,400.Broken down as follows:

$400 checking bonus when you open a TD Beyond Checking account and have qualifying direct deposits within 60 calendar days of account opening

$1000 savings bonus when you open a TD Signature Savings account and deposit $100,000 or more within 20 calendar days of account opening.

The Fine Print

In-store offer is valid through 8/31/26.$1400 offer includes: 1) $400 checking bonus when you open a TD Beyond Checking account and have qualifying direct deposits within 60 calendar days of account opening; and 2) $1000 savings bonus when you open a TD Signature Savings account and deposit $100,000 or more within 20 calendar days of account opening.

Deposit amount must be maintained for 90 additional days from the 20th day.

Alternative savings bonus offers of $200, $300, and $600 available

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

TD Beyond Checking ($400 Bonus)

This account has a $25 monthly fee that is waived if you do any of the following:

Have $5,000 or more in direct deposits within a statement cycle
Maintain a minimum daily balance of $2,500
Have a $25,000 minimum daily combined balance across eligible TD accounts you choose to link

Early Account Termination Fee

In their online fee schedule, there is no mention of an early account termination fee.The fine print does say the accounts need to be kept open for 6 months or the bonus is forfeit though.

Our Verdict

Checking bonus is $100 more than normal.Don’t think the savings bonus is worth considering due to the $100,000 deposit requirement.If you see this in any other branches let us know.

Hat tip to reader Rim

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.