Barclays Tiered Savings vs TD Bank Signature Savings
TD Bank Signature Savings returns more on the money it ties up, so it is the better first move for most people. Barclays Tiered Savings still makes sense if its requirement is easier for you to meet.
| Barclays Tiered Savings | TD Bank Signature Savings | |
|---|---|---|
| Bonus | $200 | $200 |
| Requirement | Hold $30,000 for 120 days. | Hold $10,000 for 90 days (fund within 20). |
| Direct deposit | Not required | Not required |
| Money tied up | $30,000 | $10,000 |
| Hold period | 120 days | 110 days |
| Annualized bonus return | 2.0% | 6.6% |
| Payout | ~60 days after | ~90 days |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |
Annualized bonus return, side by side
Bonus divided by the money you must hold, annualized over the hold period.
Payout size, side by side
What each offer actually pays, before considering the capital it ties up.
How the money builds
How the money builds
Barclays timeline
From opening the account to the bonus landing in it.
- 1Day 0Open the account$0 to start · no DD needed
- 2~Day 5Fund with required balanceHold $30,000 for 120 days.
- 3~Day 125Bonus posts - $200~60 days after. Cash lands in the account you just opened.
TD Bank timeline
From opening the account to the bonus landing in it.
- 1Day 0Open the account$0 to start · no DD needed
- 2~Day 5Fund with required balanceHold $10,000 for 90 days (fund within 20).
- 3~Day 115Bonus posts - $200~90 days. Cash lands in the account you just opened.
Keep going
Full breakdowns
Requirements, timeline, annualized bonus return, and step by step for each.
Lists these appear on
Every account, one place
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.