TD Bank $200 Savings Bonus (7.6% Effective APY) - 2026 Review
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- Bonus tiers
- $200 for a $10,000+ deposit
- Availability: 16 states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 20 days
- Maintenance/hold period: 90 days
- Total practical hold: ~130 days
Bonus Tiers & Effective APY
Overview
TD Bank currently offers up to $200 through its savings promotion. The headline tier requires $10,000 and keeps the funds committed for roughly 130 days. That is approximately 5.6% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 20-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
TD Bank's $200 headline payout is closest to Barclays's $200 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current TD Bank promotion?
TD Bank currently offers up to $200. The headline requirement is $10,000 deposit held for about 120 days.
How much money is required for the TD Bank bonus?
The highest advertised payout currently requires $10,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 130 days including funding, maintenance, settlement, and a practical payout buffer.
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
Apply
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Sources (2)
We last checked this against the bank's page on July 29, 2026.
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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.