How to earn the bonus
- Open a new TD Beyond Checking account through the qualifying TD offer website by 11-30-2026. No minimum opening deposit is required.
- Within 60 days, receive at least $2,500 total in qualifying direct deposits; every counted deposit must be a payroll, pension or government-benefit payment of $250 or more.
- Keep the account open and unrestricted through payment. Avoid closing within six months after opening, when TD can recover a bonus already paid.
Direct deposit and qualifying activity
Receive $2,500 total in qualifying payroll, pension or government-benefit direct deposits within 60 days. Each counted deposit must be at least $250. Peer-to-peer payments and transfers between bank or brokerage accounts do not qualify. The fee waiver's deposit threshold is separately $5,000 per statement cycle.
Qualifying deposits must post within 60 days of account opening. Payment can take until day 180, and closure within six months can result in bonus recovery.
Minimum opening deposit
$0
Offer timeline
Open the account
Open a new TD Beyond Checking account through the qualifying TD offer website by 11-30-2026. No minimum opening deposit is required.
Complete requirements
Qualifying deposits must post within 60 days of account opening. Payment can take until day 180, and closure within six months can result in bonus recovery.
Expected bonus payout
On or before 180 days after account opening, once qualifying activity is completed; this is not 180 days after deposit completion.
Account closure and payout conditions
Account must be open and unrestricted at payout. TD may deduct a paid bonus if the account closes within six months of opening. An unfunded new account automatically closes after 45 days.
Monthly fee and how to waive it
$25/mo
How to waive it
- Receive at least $5,000 in direct deposits per statement cycle; the $2,500 bonus threshold alone does not satisfy this waiver.
- Maintain a $2,500 minimum daily balance.
- Maintain at least $25,000 in minimum daily combined eligible linked balances, including deposit accounts and qualifying home-equity or mortgage balances in good standing; credit cards and personal loans are excluded.
Eligibility and previous-customer rules
New-customer rule
Existing TD personal checking customers and anyone who closed a TD personal checking account within the preceding 12 months are excluded.
Previous-bonus rule
Anyone who has received a TD personal checking bonus at any time is excluded.
Other restrictions
Open through the qualifying offer website. Account approval, primary-owner and tax-identification rules apply. Canadian cross-border banking customers do not qualify.
Availability
Subject to TD address and account eligibility. The promotion does not publish a state list; confirm your address with TD before applying. Canadian cross-border banking customers are excluded.
Deadline, payout and account closure
Offer ends
Open through the qualifying offer website by 11-30-2026.
Expected bonus payout
On or before 180 days after account opening, once qualifying activity is completed; this is not 180 days after deposit completion.
Closure and payout conditions
Account must be open and unrestricted at payout. TD may deduct a paid bonus if the account closes within six months of opening. An unfunded new account automatically closes after 45 days.
Checking offer only
The amount shown is for this checking account alone. No TD Signature Savings bonus is included, and a savings account is not required by the checking bonus terms. Choose the matching checking product through the official offer website.
Plan for the fee and payment dates
The 60-day earning window and the payment deadline of 180 days from opening are different. Continue meeting a monthly fee waiver while waiting, and consider the six-month bonus-recovery condition before closing.