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At a Glance
Requirements
Direct deposit: $2,500 in qualifying direct deposits
Deposit window: 60 days
Bonus tiers
$200 with $500 in direct deposits
$300 with $2,500 in direct deposits
Eligibility
Availability: 16 states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Lifetime limit: one bonus per customer
ChexSystems sensitivity: Low
Credit pull: soft pull only
Fees
Monthly fee: $25/mo — Beyond Checking: waive $25 with $5,000+ monthly direct deposits, a $2,500 minimum daily balance, or $25,000+ in eligible combined balances.
Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
111 reports across 1 source. Last report May 20, 2026. Doctor of Credit comments 111.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
YESEmployer payroll or government benefit deposit7 reports · 7 worked · last report Jan 2, 2023The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 7 member reports of it working, none of it failing, last confirmed Jan 2023.
YESCapital One 360 ACH push6 reports · 5 worked · 1 failed · last report Dec 2, 2025General note: Good; fails at Chase. 5 member reports of it working, 1 of it failing, last confirmed Dec 2025. KB cites all pre-2024-11; ledger last activity 2021.
YESAlliant Credit Union ACH push3 reports · 3 worked · last report Jun 8, 2017General note: Strong at PNC/US Bank; fails at Chase. 3 member reports of it working, none of it failing, last confirmed Jun 2017. zero ledger rows; KB legacy only.
YESSoFi ACH push3 reports · 3 worked · last report Apr 3, 2026Good as a sender, but STRICT as a receiver in 2026. 3 member reports of it working, none of it failing, last confirmed Apr 2026.
MAYBEChase (personal) ACH push33 reports · 22 worked · 11 failed · last report Mar 25, 2026How it posts: "Credit"Personal-checking ACH pushes only. 22 member reports of it working, 11 of it failing, last confirmed May 2025. Members report it posting as "Credit". personal: zero works since 2024-05 on ledger (the old "yes" was carried by a business DP — split 2026-07-22).
MAYBEAlly ACH push20 reports · 12 worked · 8 failed · last report Oct 5, 2025How it posts: "P2P"General note: Good but softening; fails at Chase. 12 member reports of it working, 8 of it failing, last confirmed Jan 2025. Members report it posting as "P2P". dated P2P-coded fails 2021+2023, no clean success since ~2020.
MAYBEWells Fargo ACH push16 reports · 13 worked · 3 failed · last report Apr 3, 202613 member reports of it working, 3 of it failing, last confirmed Apr 2026.
MAYBEFidelity Cash Management ACH push11 reports · 8 worked · 3 failed · last report Apr 17, 2026The #1 workaround pusher; codes payroll-like at most banks. 8 member reports of it working, 3 of it failing, last confirmed Apr 2026. 5W/1F, lastW 2026-07-03.
MAYBEBank of America ACH push6 reports · 5 worked · 1 failed · last report Jan 7, 20245 member reports of it working, 1 of it failing, last confirmed Jan 2024. legacy-only support, last 2023-06.
MAYBEChase Business (payroll ACH)2 reports · 1 worked · 1 failed · last report Apr 8, 2026General note: Payroll-coded ACH run from Chase Business checking — a sole prop does this legitimately as a Gusto owner's draw (never a fake W-2). 1 member report of it working, 1 of it failing, last confirmed Apr 2026. 1 clean DP 2026-06 + the near-universal payroll-ACH mechanism.
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. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
Overview
TD Bank is currently offering a tiered checking bonus paying up to $300. Each rung has its own requirement: $200 with $500 in direct deposits; $300 with $2,500 in direct deposits. The account has a $25 monthly fee; review the waiver terms before applying.
Pros
+$300 cash bonus
+No documented hard credit pull
+60-day qualification window
Cons
-Geographic restrictions apply
-Lifetime or one-bonus-per-customer language applies
-$25 monthly fee unless waived
Notes
Receive $2,500+ in direct deposits within 60 days. The amount you are paid depends on which rung you complete: $200 with $500 in direct deposits; $300 with $2,500 in direct deposits. Allow approximately 180 days for the bonus to post after qualification.
How This Compares to Other Bonuses
TD Bank's $300 offer is closest in headline value to PSECU's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current TD Bank checking bonus?
TD Bank currently advertises up to $300, across 2 rungs that each ask for something different: $200 with $500 in direct deposits; $300 with $2,500 in direct deposits.
Does the TD Bank bonus require direct deposit?
Yes. The catalog currently records $2,500 in qualifying direct deposits within 60 days. Confirm the bank's exact definition before applying.
When should the TD Bank bonus post?
The tracked estimate is about 180 days after you satisfy the 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
Monthly Fee$25/mo
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
Chex SensitivityLow
Hard PullNo
Soft PullYes
Low ChexSystems sensitivity.
Eligibility
Availability16 states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Lifetime LimitYes
New TD checking customers only. TD pays one personal checking bonus per customer, ever: if you have received one before, at any time, you are not eligible for this one.
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.