Can you get the TD Bank Signature Savings bonus without a direct deposit?
Yes. The TD Bank Signature Savings bonus pays $200 and does not require a payroll direct deposit. What it requires instead is: Hold $10,000 for 90 days (fund within 20)..
TD Bank Signature Savings is a savings offer.
The numbers, in full
| Payout | $200 |
|---|---|
| What it takes | Hold $10,000 for 90 days (fund within 20). |
| Direct deposit needed | No |
| Money tied up | $10,000 |
| Time committed | 110 days |
| Effective APY | 6.6% |
| Per hour of your time | $632/hr |
| When it pays | ~90 days |
| Offer ends | Jul 30, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$10,000 committed for about 110 days pays $200, which annualizes to 6.6%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 24.3% | |
| 45 days | 16.2% | |
| 60 days | 12.2% | |
| 90 days | 8.1% | |
| 110 days | 6.6% | The offer's own stated window |
| 120 days | 6.1% | |
| 180 days | 4.1% | |
| 270 days | 2.7% | |
| 365 days | 2.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
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