TD Bank $200–$300 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
TD Bank offers $200 (Complete Checking) or $300 (Beyond Checking) with a quick 60-day window. Available in 16 East Coast states.
Who This Checking Bonus Is Best For
East Coast residents who don't mind waiting. The DD window is a short 60 days, but the bonus itself isn't paid until up to 180 days after account opening.
How to Maximize This Bonus
Open Complete Checking for $200 with $500 DD, or Beyond Checking for $300 with $2.5k DD — both within just 60 days. Each qualifying direct deposit must be at least $250 (payroll, pension, or government benefits); smaller deposits don't count.
Pros
Cons
How This Compares to Other Bonuses
The $200 for $500 DD is very easy. Compare to Fulton Bank ($300 for $500 DD) which is better if available in your state.
Frequently Asked Questions
Which states have TD Bank?
CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VT, VA.
Related Bonus Reviews
Full Requirements
Complete Checking earns $200 for $500 in qualifying direct deposits; Beyond Checking earns $300 for $2,500. Each qualifying direct deposit must be at least $250 and post within 60 days. Offer ends July 30, 2026.
Fees
Beyond Checking: waive $25 with $5,000+ monthly direct deposits, a $2,500 minimum daily balance, or $25,000+ in eligible combined balances.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
New TD checking customers only.
Apply
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