TD Signature Savings

View the TD Signature Savings Account Guide.

^*Annual 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.

^†4.00% annual percentage yield (APY) is only available to customers who maintain at least $100,000 on deposit in their account TD Signature Savings AND link an eligible account (relationship bump rate).  TD Signature Savings rates are based off of amount on deposit (tiered interest rates) and whether you qualify for a relationship bump 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.

¹TD Signature Savings: Enjoy a relationship bump rate when you link an eligible account, which includes a 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. See the Personal Deposit Account Agreement for more details.

²For 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.

³Eligible accounts include: TD Beyond Checking, TD Complete Checking and Relationship Checking.

⁴Overdraft 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 or return item 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.

⁵Savings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdraw balance. You may still be assessed an Overdraft fee ($35 max of $105 per day per account) if the transfer could not be made such as; if there is not enough money in the linked Savings or Money Market account to cover the overdrawn balance or if you manually transfer the money after overdrawing your account and your transfer is insufficient to cover the overdrawn balance.

⁶For TD Beyond Checking 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 Beyond Checking 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.

⁷Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.