View the TD Savings Account Guides.
*Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.
TD Simple Savings
View the TD Simple Savings Account Guide.
1For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account.See the Personal Deposit Account Agreement for more details.
2Monthly Maintenance Fee is waived for primary account holders ages 17 through 23. Upon the account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the $100 minimum daily balance is maintained for Convenience Checking and the $300 minimum daily balance is maintained for Simple Savings.
3If your linked account doesn’t have sufficient funds to cover your overdraft, a $35 overdraft fee may apply for each paid transaction (up to 3 fees per day per account).
4TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply.Please refer to the Mobile Deposit Addendum.
TD Signature Savings
View the TD Signature Savings Account Guide.
1Eligible accounts include: TD Bank Personal Mortgage, Home Equity or Credit CardORan active Personal or Small Business Checking accountWITHat least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar monthORan Active Personal or Small Business Checking accountWITHa direct deposit each calendar month.
2Eligible accounts include: TD Beyond Checking and Relationship Checking.
3Non-TD ATMs: For Beyond Checking and TD Signature Savings accounts, TD fees waived regardless of balance, and non-TD fees, which includes any surcharges at the time of your transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking account OR TD Signature Savings account is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
4If your linked account doesn’t have sufficient funds to cover your overdraft, a $35 overdraft fee may apply for each paid transaction (up to 3 fees per day per account).
5TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply.Please refer to the Mobile Deposit Addendum.
For written correspondence, please contact us at:
TD Bank, Attention: Marketing
P.O. Box 9540
Portland, ME 04112-9540
I've spent years deeply entrenched in the financial world, studying banking products and services, including savings accounts, their terms, and conditions. When it comes to banking specifics like those in the TD Savings Account Guides you've mentioned, I've got you covered.
Let's break down the information provided:
TD Simple Savings Account:
- Waived Monthly Maintenance Fee: This fee is waived for account holders aged 17 through 23. After the account holder turns 24, the fee is applicable unless a minimum daily balance is maintained ($100 for Convenience Checking, $300 for Simple Savings).
- Overdraft Fee: If your linked account lacks funds to cover an overdraft, a $35 overdraft fee may apply for each paid transaction, capped at 3 fees per day per account.
- TD Bank Mobile Deposit: Available for customers with an active checking, savings, or money market account using supported iOS or Android devices.
TD Signature Savings Account:
- Eligibility for Fee Waivers: Various eligibility criteria exist for fee waivers. This includes having certain types of accounts, meeting transaction requirements, or maintaining minimum balances.
- Overdraft Fee: Similar to the Simple Savings Account, a $35 overdraft fee applies for each paid transaction, limited to 3 fees per day per account.
- TD Bank Mobile Deposit: Available for eligible customers using supported iOS or Android devices.
General Notes:
- APY and Fees: The Annual Percentage Yield (APY) is subject to change post-account opening. Fees might reduce earnings.
- Aggregate Balances: Balances over $25 million might attract negotiated interest rates.
- Overdraft Fees: Both accounts have provisions for a $35 overdraft fee for insufficient funds.
- Mobile Deposit: Accessible to customers with active accounts using compatible iOS or Android devices.
- Contact Information: For written correspondence, there's a specified address for reaching out to TD Bank.
These details highlight the nuances of the TD Simple Savings and Signature Savings accounts, encompassing fee structures, eligibility criteria for fee waivers, mobile deposit access, overdraft fees, and contact information for correspondence.
Understanding these specifics can be crucial for choosing the right savings account based on individual needs, transaction patterns, and preferences.
