TD Bank $200 Savings Bonus (7.6% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
TD Bank's $200 savings bonus is a straightforward East Coast offer: park $10,000 for about 4 months and walk away with a modest but reliable $200. The 0.02% base APY is uncompetitive, so this is purely a bonus play — move the money back to a real HYSA once you're clear of TD's clawback window — TD can deduct the bonus if the account is closed within 6 months of opening, so don't close the instant the bonus posts.
Who This Savings Bonus Is Best For
East Coast residents who've already done the big-bank savings bonuses (Chase, Capital One, Citi) and want another $200 to stack. Not worth the opportunity cost if you're in the middle of higher-APY plays.
How to Maximize This Bonus
Open a TD savings account (one of the 16 eligible East Coast states), deposit $10,000 in new money within 20 days, and keep the balance above $10,000 for 90 days. The bonus posts on or before 180 days from account opening (not Day 120 — that's just when the 90-day hold ends). Because TD can claw back the bonus if the account is closed within 6 months of opening, wait until after the 6-month mark to close and redeploy. Effective APY on the bonus play alone is around 6% — not great versus Chase or Capital One's savings combos, but fine if you've already exhausted those.
Pros
Cons
How This Compares to Other Bonuses
TD $200 on $10k sits below Chase's savings combo ($600 on $15k at ~16% effective APY) and Capital One's 360 Performance ($300 on $20k at ~9% APY with a strong base rate). Use TD as a follow-up after you've exhausted the top-tier plays.
Frequently Asked Questions
Can I open a TD savings bonus from outside the 16 East Coast states?
No. TD requires a residential address in one of the eligible states. The branch network is East Coast only.
Does TD count transfers from another TD account as new money?
No. Only external deposits (from other banks) qualify as new money for the bonus.
What happens if my balance dips below $10,000?
The bonus is voided. Keep the balance above $10,000 for the full 90-day maintenance period to qualify.
Related Bonus Reviews
Eligibility
New TD savings customers only (no TD personal savings/MMA held or closed in prior 12 months, and no prior TD savings bonus ever). East Coast states. Deposit $10,000 within 20 days of opening and hold 90 days. Expires July 30, 2026.
Fees
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