checking
TD Bank $300
Beyond Checking
New TD Beyond Checking customers earn $300 after $2,500 in qualifying direct deposits. Offer ends November 30, 2026.
Effective value after fees
$150
Minimum-path estimate: $300 minus six $25 fees ($150) across the 6-month clawback window. The $2,500 bonus deposit is not the same as $5,000 of direct deposits every cycle. Keep a $2,500 daily balance, one of the published waivers, and the fee is $0, so the bonus is worth $300.
Exact requirements
- New TD Beyond Checking customers. You do not qualify if you are an existing personal checking customer, closed a personal checking account in the preceding 12 months, or have ever received a TD personal checking bonus.
- Open through a qualifying website by November 30, 2026.
- Qualifying direct deposits are electronic payroll, pension, or government benefit payments of at least $250 each. Person-to-person payments and transfers between your own accounts do not count.
- If you or TD close the account within 6 months of opening and the bonus was paid, TD may deduct the bonus.
- Bonus
- $300
- Direct deposit
- $2,500 in qualifying direct deposits. Each qualifying deposit must be at least $250. The offer page does not state a day limit for the checking deposits.
- Deposit
- Opening deposit amount: not stated on the offer page.
- Keep the account open
- 6 months. TD may take the bonus back if the account is closed within 6 months after opening.
- When the bonus posts
- On or before 180 days from account opening.
- Expiration
- Offer valid through November 30, 2026, online only.
- Monthly fee
- $25 monthly maintenance fee.
- How to waive it
- $5,000 or more in direct deposits in a statement cycle, or a $2,500 minimum daily balance, or a $25,000 minimum daily combined balance of linked deposits, home equity, and mortgages in good standing.
- Early closure
- If the account is closed within 6 months and the bonus was paid, TD may deduct the bonus. A separate dollar fee is not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The offer page does not list states. TD says Canadian cross-border banking customers are not eligible.
- Last verified
- November 15, 2026
Fine print
The bonus may be reported on Form 1099. Account must not be closed or restricted at payout. A day count for the checking direct deposits is not stated on the page we verified. Verified November 15, 2026.
Source checked November 15, 2026: https://www.td.com/us/en/personal-banking/checking-and-saving-bonus