New to TD Bank Spring Chequing Program (Terms and Conditions)
Calculating up to $400 in cash + up to 5.55%
Savings Interest Rate
§ Up to $400 + up to 5.55% Savings Interest is calculated as follows: Offer 1) $350 cash + Offer 2) 3.70% Bonus Savings Interest Rate + Posted Rate of 1.85% (Current interest rate as of July 2023, unless otherwise indicated and subject to change) + Offer 3) $50 cash.
Offer 1) Earn $350 in cash upon opening a new TD Unlimited Chequing Account or TD All-Inclusive Banking Plan between March 1, 2024, and June 3, 2024, by completing the qualifying criteria in accordance with Offer 1 below.
Offer 2) Earn 3.70% Bonus Savings Interest in Cash when a New Chequing Account customer (Defined as the new to TD Bank Chequing Customer in Offer 1) opens a new TD ePremium Savings Account by June 3, 2024, and meets the qualifying criteria as set out in accordance with Offer 2 below. Earn posted rate of 1.85% (Current interest rate as of July 2023, unless otherwise indicated and subject to change) to balances of $10,000 or greater on the TD ePremium Savings Account. The Bonus Savings Interest will be calculated separately and will be credited to the TD ePremium Savings Account monthly for a period of 90 days (3 months).
Offer 3) Earn $50 in cash when a New Chequing Account customer applies, is approved for, and adds Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by June 3, 2024 and meets the qualifying criteria in accordance with Offer 3 below.
Offer 1: Chequing Account $350 Cash Terms and Conditions
†The $350 cash offer is available to Canadian residents that do not have an existing TD Chequing Account, that are the age of majority at time of account opening in their province or territory who:
(a) Open a TD Unlimited Chequing Account or TD All-Inclusive Banking Plan between March 1, 2024, and June 3, 2024.
(b) Complete any two of the following with the New Chequing Account:
1. Set up a recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before July 31, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.
2. Make an Online Bill Payment through TD EasyWeb or the TD app, minimum $50 before July 31, 2024.
3. Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the New Chequing Account before July 31, 2024. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debit
Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
The following are not eligible for the $350 cash offer:
1. Customers who already have a TD Chequing Account that was closed on or after March 1, 2023; or
2. Customers who received any Chequing Account offers from TD in 2021, 2022, 2023; or
3. TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $350 cash offer per New Chequing Account. Limit of one $350 cash offer per customer.
The $350 will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $350 is deposited into the New Chequing Account.
We can change, extend, or withdraw the $350 cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: TD ePremium Bonus Savings Interest Offer - Earn up to 5.55% Savings Interest Rate Terms and Conditions
◊ The Bonus Savings Offer is available to Canadian residents that are the age of majority at the time of the New Savings Account opening in their province or territory.
To earn 3.70% Bonus Savings Interest + Posted Rate of 1.85%, a New eligible TD Chequing Account customer must:
a) Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between March 1, 2024, and June 3, 2024.
b) Open a new TD ePremium Savings Account (the New Savings Account) by June 3, 2024, and
c) Starting on the fifteenth business day after the date the New Savings Account is opened, the account will earn an interest of 3.70% per annum (Bonus Savings Interest) on any balances up to $1,000,000.00 for 90 days plus earn the current posted interest on a balance of $10,000 or greater. The Bonus Savings Interest Rate is an annualized rate, and the interest is calculated daily and paid monthly. If the New Savings Account is opened on a statutory holiday or Sunday, the Bonus Rate Period will begin 15 days after the first business day the New Savings Account is opened. The posted interest rate will ONLY apply to all balances of $10,000 or greater on the TD ePremium Savings Account and is subject to change without notice. The posted interest is calculated based on the daily closing balance of the New Savings Account and is paid monthly. Please find the current TD ePremium Savings Account Interest Rates here. Only regular posted interest rates will apply after the end of the Offer Period, which is 90 days. The Bonus Savings Interest will be calculated separately and will be credited to the New Savings Account monthly for a period of 90 days (3 months).
The following are not eligible to earn the offer:
1. Customers who already had a TD Chequing Account that was closed on or after March 1, 2024
2. Customers who already have a TD ePremium Savings Account as of March 1, 2024,
3. Customers who had a TD ePremium Savings Account that was closed on or after March 1, 2023,
4. Customers who received any TD ePremium Savings Account offer from TD in 2021, 2022, 2023; or
5. TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the offer at any time.
Offer 3: Overdraft Protection Service $50 Cash Terms and Conditions
∞ The $50 cash offer for Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (ODP) is available to Canadian residents that are the age of majority in their province or territory at the time of the approval of the ODP. To earn the $50 cash offer, a New Chequing Account customer must:
(a) Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between March 1, 2024, and June 3, 2024, in accordance to Offer 1, and
(b) Apply, be approved for, and add ODP (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by June 3, 2024.
(c) Keep the new ODP, active and in good standing for 30 days after approval
The offer is not available to:
1. Customers who already have a TD Chequing Account with ODP in place on March 1, 2024, or
2. TD staff members or any TD customers who have a joint account with a TD staff member.
The $50 will be deposited to the New Chequing Account within 12 weeks after all conditions have been met, provided that the Overdraft Protection is still open, in good standing, with all conditions continuing to be met. Limit of one $50 cash offer per customer per New Chequing Account with ODP. For any New Chequing Account that is a joint account, all account holders on the New Chequing Account must meet the ODP eligibility requirements. Each account holder must be age of majority in their province of residence to apply for ODP and is subject to credit approval.
Monthly Plan Overdraft Protection service fee is $5.00 a month on TD Unlimited Chequing Account and TD All-Inclusive Banking Plan. Pay As You Go Overdraft Protection service fee is $5.00 for each eligible overdraft transaction (maximum of $5.00 a day regardless of number of overdraft transactions). The amount in overdraft is subject to an interest rate of 21% per annum. ODP fees and interest rate are current as of May 24, 2022, unless otherwise indicated and subject to change. For more information and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the $50 cash offer at any time.
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