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Open a TD Savings Account Online
Open a TD Savings Account online in minutes – it's easy and secure. Choose your FDIC-insured savings account with competitive interest rates, and if you choose TD Signature Savings and link an eligible TD account, you can earn even more interest with a relationship bump rate.1
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Savings FAQs
To open a TD savings account, you'll need your: Social Security number, government-issued ID, source of funds (existing banking information), and a phone number. (Additional information may be required).
Yes, you can open an account online by clicking the "Open in minutes" button. Just choose the account type and prepare the required documents needed to open an account:
There is no minimum opening deposit required to open the account. However, if you do not make a deposit within 45 days, your account will automatically close.
APY is the Annual Percentage Yield, which is the real rate of return earned on a savings or investment account for one year. Both TD Signature Savings and TD Simple Savings accounts are eligible to earn APY. TD Signature Savings account customers may be eligible for higher interest rates based on account balances and relationship rates.1
Find the most up-to-date interest rates on TD savings accounts.
Depending on how you deposit your funds, availability varies from immediately to 3 business days (Monday - Friday, excluding federal holidays) after the date of deposit. See additional guidance.
- In-store: Cash is available immediately; with checks, $100 is available same-day with the full amount available the next business day4
- ATM: Cash is available immediately; with checks, $100 is available same-day with the full amount available the next business day5
- Mobile, online and electronic: Mobile checks are available in full next business day, Zelle may be available within minutes6, ACH, Wires, and Transfers between TD accounts are available immediately. Longer delays may apply
- New account deposits:
- In-store and ATM checks for new account: $100 same day, $125 next business day, full amount three business days after deposit date
- Mobile check for new account: $225 next business day, full amount three business days after deposit date
Both TD Simple Savings and TD Signature Savings accounts can be set up to protect a TD checking account by using funds from your savings to cover the checking overdraft. You can enroll in Savings Overdraft Protection in person at your local TD Bank.
Savings Overdraft Protection includes no transfer fees by linking your checking account3 with a savings account. If your checking account balance is negative at the end of the day, we'll automatically transfer funds from your linked savings account to cover the overdraft.
Compare TD Savings accounts
Compare TD Savings accounts