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TD Bank

TD Bank Complete Checking $200 Bonus

TD Bank pays you $200 when you open a Complete Checking account and receive a single direct deposit of $500 or more within 60 days. The account has a $15 monthly fee, waivable with $500 in monthly direct deposits, a $500 daily balance, or if the primary account holder is age 17 to 23. Available in 16 East Coast and Mid-Atlantic states.

Bonus amount
$200
Expires
Jul 30, 2026
Time to complete
~60 days
Bonus deposited in
~180 days
Difficulty
Easy

Requirements

Last verified: May 5, 2026

  1. Open an account

    Open your new account using the offer link before the offer expires.

  2. Set up direct deposit

    Make a direct deposit of $500 within the first 60 days of opening a checking account.

Paid after requirements are met.

Direct Deposit Data Points 9

Community-reported results for what triggers a qualifying direct deposit at TD Bank.

21 total

View all direct deposit data points across every bank →

Account Details

Monthly fee$15/month
Fee waiver
  • $500 or more in direct deposits within a statement cycle
  • $500 minimum daily balance
  • Primary account holder is aged 17-23
Min. hold period180 days

Account must remain open for at least 6 months.

Credit inquirySoft pull only
ChexSystemsYes. May deny applicants with negative banking history.
AvailabilitySelect states (CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT)

Eligibility

Minimum age18+
Existing customersNot eligible

Cannot have an existing TD Bank personal checking account or have closed one within the preceding 12 months.

Can You Earn This Bonus Again?

Can rechurnYes
Cooldown365 days
NotesClose your account, wait 12 months, then reapply.

Fine Print

Normal 1099-INT rules apply.

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.

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Does Zelle Count as Direct Deposit for Bank Bonuses?

No. Zelle payments don't count as direct deposit for bank bonuses. Here's why it fails and what to use instead so the bank pays you.

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What is a fee waiver?

A condition you can meet to have the monthly maintenance fee on an account waived.

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Also see: this month's best bank bonuses and community DD data points.

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We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more