TD Bank
TD Bank Complete Checking $200 Bonus
TD Bank pays $200 for opening a Complete Checking account and receiving $500 in qualifying direct deposits within 60 days. The offer runs through November 30, 2026. The $15 monthly fee is waivable with $500 in monthly direct deposits, a $500 daily balance, or if the primary holder is age 17 to 23. Available in 16 East Coast and Mid-Atlantic states.
- Bonus amount
- $200
- Expires
- Nov 30, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~180 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 4, 2026
Open an account
Open your new account using the offer link before the offer expires.
Set up direct deposit
Receive $500 in total qualifying direct deposits within 60 days of opening. Each deposit must be at least $250 and be an electronic payroll, pension or government benefit payment. Transfers and P2P payments do not count.
TD deposits the bonus on or before 180 days from account opening. The account must not be closed or restricted at payout.
Account Details
- $500 or more in direct deposits within a statement cycle
- $500 minimum daily balance
- Primary account holder is aged 17-23
Account must remain open for at least 6 months.
Eligibility
Cannot have an existing TD Bank personal checking account or have closed one within the preceding 12 months.
Tips & Gotchas
- →Each qualifying direct deposit must be at least $250, so you need at least two deposits to reach $500. Only electronic payroll, pension, or government benefit payments count.
- →You do not qualify if you have a TD personal checking account, closed one in the last 12 months, or ever received a prior TD personal checking bonus.
- →TD may take the bonus back if you close the account within 6 months of opening.
- →The $15 monthly fee is waived with $500 in monthly direct deposits, a $500 daily balance, or if the primary holder is age 17 to 23.
Direct Deposit Data Points 104
104 community reports across 27 transfer sources, showing what triggers a qualifying direct deposit at TD Bank.
How long until the bonus posts? The most recent community reports average about 55 days. See 69 reports on TD Bank Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
Offer valid through November 30, 2026 and only when opening through a qualifying TD website. Not available to existing TD personal checking customers, anyone who closed a personal checking account in the preceding 12 months, or anyone who has received a prior personal checking bonus. Bonus paid on or before 180 days from account opening. TD may issue a Form 1099.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
Also see: this month's best bank bonuses and community DD data points.
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