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Maximize Your Savings: TD Bank’s Promotions and Account Options

TD Bank Promotions

If you’re in the market for a new bank account or credit card, TD Bank might be worth considering. They offer a variety of promotions to incentivize customers to open an account or sign up for a credit card.

Below are some of the current TD Bank promotions.

TD Beyond Checking

For new customers, TD Bank is offering a $300 bonus when you open a

TD Beyond Checking account and receive direct deposits of at least $2,500 within 60 days of opening the account. To qualify, you must be a U.S. resident and 18 years or older.

The account has a $25 monthly maintenance fee that can be waived if you maintain a minimum daily balance of $2,500 or have $5,000 in total deposits across your TD accounts. The account also offers free ATMs, online and mobile banking, and overdraft protection.

TD Convenience Checking

The

TD Convenience Checking account is geared towards customers who make fewer transactions and prefer a lower minimum balance requirement. For new customers who open a

TD Convenience Checking account, TD Bank is offering a $150 bonus when you receive direct deposits of at least $500 within 60 days of opening the account.

Like the

TD Beyond Checking, this offer is only available to U.S. residents 18 years or older. There is a $15 monthly maintenance fee that can be waived if you maintain a minimum daily balance of $100 or receive monthly direct deposits of $250 or more.

TD Beyond Savings or TD Simple Savings

If you’re looking for a savings account, TD Bank has two options with promotions attached. For the TD Beyond Savings account, new customers can earn a $200 bonus when they deposit $20,000 or more in new funds within 20 days of opening the account and maintain a daily average balance of at least $20,000 for the first 90 days.

The account has a $25 monthly maintenance fee that can be waived if you maintain a daily balance of $20,000 or more. The account offers competitive interest rates, free online and mobile banking, and overdraft protection.

The TD Simple Savings account is a basic savings option with a $5 minimum deposit to open. For new customers, TD Bank is offering a $200 bonus when you deposit $20,000 or more in new funds within 20 days of opening and maintain a daily average balance of at least $20,000 for the first 90 days.

The account has a $5 monthly maintenance fee that can be waived if you maintain a minimum daily balance of $300.

TD Cash Credit Card

TD Bank’s Cash Credit Card offers 3% cash back on dining purchases, 2% cash back on groceries, and 1% cash back on all other purchases. New cardholders can earn 15,000 bonus points (equivalent to $150 in cash back) when they spend $500 within 90 days of opening the account.

The card has no annual fee and offers perks like instant credit card replacement and contactless payments.

TD Business Solutions Credit Card

For small business owners, TD Bank has a credit card that offers 3% cash back on eligible purchases from phone, internet, and cable services, 2% cash back on dining and at gas stations, and 1% cash back on all other purchases. New cardholders can earn 25,000 bonus points (equivalent to $250 in cash back) when they spend $3,000 within the first 90 days.

The card has no annual fee and offers features like customized credit limits and cash flow management tools.

TD Bank Referrals

TD Bank also offers a referral program that can earn you and a friend up to $500 each. To qualify, you must refer a friend who opens a

TD Beyond Checking account with a $2,500 direct deposit within 60 days.

You can refer up to 10 friends per year, for a potential total of $5,000 in referral bonuses. The bonus is credited to your account within 95 days of your friend qualifying for the offer.

TD Bank Overview

Now that we’ve gone over some of TD Bank’s promotions, let’s take a broader look at what they offer as a bank.

History and Ownership

TD Bank is a subsidiary of the Toronto-Dominion Bank, one of the largest banks in Canada. TD Bank has a long history, tracing its roots back to Portland, Maine in 1852.

Over the years, TD Bank has grown through acquisitions and mergers to become one of the largest banks in the U.S. Today, TD Bank has over 1,200 locations along the East Coast.

Product Offerings

TD Bank offers a range of banking products, including checking and savings accounts, loans, credit cards, and investment services. If you’re looking for a new checking account, TD Bank has four options to choose from.

The

TD Beyond Checking and

TD Convenience Checking options were described earlier in this article. TD Bank also offers a Student Checking account and an account for seniors, the 60 Plus Checking.

If you’re looking to save money, TD Bank has three savings account options. The TD Beyond Savings and TD Simple Savings accounts were described earlier in this article.

TD Bank also offers a Young Saver account for children under 18 with a $1 minimum deposit to open and no monthly maintenance fee. TD Bank offers a variety of loans, including personal loans, home equity loans, and mortgages.

They also have credit card options beyond the TD Cash and TD Business Solutions cards, such as the Aeroplan Credit Card and the First Class Visa Signature Credit Card.

Service Area

TD Bank has a strong presence along the East Coast, with branch locations in 15 states and Washington, D.C. They offer in-branch service, as well as online and mobile banking options. TD Bank has a reputation for good customer service, having won awards in that category from J.D. Power.

Closing Thoughts

If you’re looking for a bank with a range of product offerings and a strong presence along the East Coast, TD Bank might be worth checking out. With promotions for new customers and a variety of checking and savings account options, TD Bank offers something for everyone.

They also have a solid reputation for customer service. 3)

TD Beyond Checking

TD Beyond Checking is a high-end interest-bearing checking account offered by TD Bank. This account offers a plethora of benefits, including competitive interest rates, no ATM fees, and free online and mobile banking.

In this section, we’ll go over the account details, the current promotion, and the terms and conditions.

Account Details

The

TD Beyond Checking account requires a minimum opening deposit of $0.00. The account has a $25 monthly maintenance fee that can be waived if you maintain a minimum daily balance of $2,500 or have $5,000 in total deposits across your TD accounts.

The account also offers no ATM fees when using non-TD ATMs, free Online and Mobile Banking with Bill Pay, and free TD Bank Visa Debit Card with chip technology. The

TD Beyond Checking account is exclusively available to existing TD Bank customers through a branch or by calling customer service.

New customers can open an account online, but it does not include the benefits that existing TD Bank customers enjoy. It might be best to open an account in a branch, where you can receive a thorough understanding of the perks of an existing customer.

Promotion Details

Currently, TD Bank’s offer for opening a

TD Beyond Checking account is a $300 bonus. To qualify for the promotion, you must open an account online and receive direct deposits of $2,500 or more within 60 days of account opening.

The bonus will be credited to your account within 140 days of meeting the requirement. The offer is only available to U.S. residents 18 years or older.

You must also maintain the account for at least 95 days to avoid forfeiting the bonus amount.

Terms and Conditions

Existing TD Bank customers open their accounts at a branch, through phone banking, or online. New customers can open their accounts online or in a branch.

Keep in mind that existing TD Bank customers receive different perks from new customers with an online account. They possess a lower monthly maintenance fee, as well as access to higher interest rates and a few exclusive perks.

It is important to note that TD Bank charges customers for certain services. Banks make money not only through interest withholding but also through charging fees.

Some fees that may apply: ATM fees, overdraft fee, stop payment fee, and a standard fee of $35 for overdraft protection transfers. Overall, if you’re looking for an interest-bearing checking account with competitive interest rates and a broad range of benefits, the

TD Beyond Checking account is an excellent option.

Additionally, coupled with TD Bank’s current promotion of a $300 bonus with direct deposits of at least $2,500 within 60 days of opening, it becomes an even more lucrative option. 4)

TD Convenience Checking

TD Convenience Checking is a non-interest-bearing checking account offered by TD Bank. It’s designed for customers who do not require the high-end features of the

TD Beyond Checking account, but still need a reliable account with straightforward requirements.

In this section, we’ll explore the account details, the current promotion, and the terms and conditions.

Account Details

The

TD Convenience Checking account requires a minimum opening deposit of $0.00. It has a $15 monthly maintenance fee, which can be waived if you maintain a minimum daily balance of $100 or receive monthly direct deposits of $250 or more.

The account also offers access to Online and Mobile Banking with Bill Pay, free TD Bank Visa Debit Card with chip technology, and an option for overdraft protection. The account is available to customers of all ages, but those younger than 17 must have a parent or guardian as a co-owner of the account.

New customers can open their account online or in a branch, where they can receive a thorough understanding of the account requirements and restrictions from bank staff.

Promotion Details

TD Bank’s offer for opening a

TD Convenience Checking account is a $150 bonus. To qualify for this offer, new customers must receive direct deposits of $500 or more within 60 days of account opening.

The bonus will be credited to your account within 140 days of meeting the requirements. The offer is only available to U.S. residents 18 years or older.

Terms and Conditions

New account holders can open their

TD Convenience Checking account online or at a branch. Age restrictions apply for minors.

Customers who receive direct deposits of at least $250 a month or keep a minimum daily balance of $100 in their checking account can waive the $15 monthly fee. Other fees may apply, such as overdraft and NSF fees.

TD Convenience Checking is a solid option for people who require a basic checking account with easy-to-fulfill requirements. In addition, TD Bank’s promotion of a $150 bonus with direct deposits of at least $500 within 60 days of opening is an appealing offer that can put some cash into customers’ pockets.

5) TD Beyond and Simple Savings

TD Bank offers two savings account options, TD Beyond Savings and TD Simple Savings, each with its own unique set of benefits and requirements. In this section, we’ll explore the account details, the current promotion, and the terms and conditions.

Account Details

The TD Beyond Savings account requires a minimum opening deposit of $0.00 but has a $25 monthly maintenance fee. The account has a daily minimum balance requirement of $20,000 to waive the monthly fee.

The Beyond Savings account offers competitive interest rates, free online and mobile banking, and overdraft protection. On the other hand, the TD Simple Savings account requires a minimum opening deposit of $50 and has a $5 monthly maintenance fee.

However, the account balance only requires a $300 minimum daily balance to waive the monthly fee and still offers free online banking services.

Promotion Details

TD Bank’s offer for opening a TD Beyond or TD Simple Savings account is a $200 bonus. To qualify for the promotion, new customers must receive a deposit of $20,000 or more in new funds within 20 days of opening the account and maintain a daily average balance of $20,000 for the first 90 days.

The bonus will be credited to your account within 140 days of meeting the requirements. The offer is only available to U.S. residents 18 years or older.

Terms and Conditions

In some cases, existing customers are eligible for account reopening incentives. They must ensure that their old account has been closed for at least six months before opening a new account with the $200 bonus.

It’s important to continue monitoring your funds to ensure you meet the requirements, as failing to fulfill these requirements will result in penalties and possibly forgoing the accounts’ benefits and the promotion of TD Bank. Account owners also have to keep track of any monthly maintenance fees that apply.

These fees can be waived if specific requirements are met, such as daily balances or certain transactions. In addition, fees may apply for things such as overdrafts, stop payments, and account transfers.

Overall, TD Bank offers two excellent options for saving money, whether you’re interested in the high-end benefits of the TD Beyond Savings account or the simplicity of the TD Simple Savings account. With a current promotion of a $200 bonus when you open a new account with a qualifying deposit, there is no better time to begin saving.

6)

TD Cash Credit Card

TD Cash Credit Card is a popular rewards card offered by TD Bank. It provides bonus rewards for dining and grocery purchases, as well as cash-back rewards for other purchases.

In this section, we’ll go over the card details, the current promotion, and the terms and conditions.

Card Details

TD Cash Credit Card is a rewards card that offers 3% cash-back rewards on dining purchases of all kinds, which includes restaurants, cafes, and fast food chains. It also offers 2% cash-back rewards on groceries, including supermarkets, convenience stores, and wholesale clubs.

Cardholders receive 1% cash-back rewards on all other purchases, with no limit to the amount of cash back earned. The card has no annual fee and offers various travel benefits, such as emergency travel assistance services, luggage replacement, and travel accident insurance.

Promotion Details

TD Bank’s current promotion for the

TD Cash Credit Card offers 15,000 bonus points (equivalent to $150 in cash back) when you spend $500 within the first 90 days of account opening. The bonus will be credited to your account statement within 6-8 weeks of meeting the requirements.

The offer is only available to U.S. residents 18 years or older.

Terms and Conditions

Current TD Bank customers and previous account holders may be eligible for the

TD Cash Credit Card promotion by applying online or through a TD Bank branch. Approval depends on creditworthiness, with the credit card issuer basing the rates on their evaluation of the applicant’s credit history.

Moreover, customers must maintain good account standing to continue enjoying benefits and promotions. TD Bank periodically evaluates credit card accounts to prevent potentially fraudulent activity and to comply with federal and state laws that govern the bank’s operations.

Finally, TD Bank will charge fees for certain types of transactions, including fees for cash advances, balance transfers, late payments, and over-the-credit limit transactions. Such fees can significantly impact their bills if cardholders do not recognize and take appropriate action to avoid them.

In conclusion, TD Bank’s Cash Credit Card is a strong option for anyone interested in a rewards card with no annual fee. It offers competitive cash-back rewards for dining and grocery purchases and various travel benefits, making it an attractive option for frequent travelers.

With a current promotion for 15,000 bonus points with $500 in spending within the first 90 days of opening an account, now is a great time to consider the

TD Cash Credit Card.

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