Product Knowledge - Personal Savings + CDs

What is the basic savings account?

TD Simple Savings

What is the savings account with more benefits?

TD Signature Savings

Is there a minimum deposit requirement to open the accounts?

No

What is the monthly maintenance fee for the SIMPLE?

$5

What is the monthly maintenance fee for the SIGNATURE?

$15

What is the minimum balance requirements to waive the fee for SIMPLE?

$300

What is the minimum balance requirements to waive the fee for SIGNATURE?

$10,000

What is the auto transfer requirements to waive the monthly maintenance fee for simple savings?

$25 from a TD checking account

Is there an age waiver for SIMPLE?

Yes, 18 and under or 60 and over

What is the last way to waive the monthly maintenance fee for SIMPLE

Open the account as an IRA

What type of rate does SIMPLE have?

Standard rates

Is there a fee for exceeding the transaction limit for SIMPLE?

Yes, $3

What is the last way to waive the monthly maintenance fee of SIGNATURE?

Linked to a BEYOND or COMPLETE checking account

What type of rate does SIGNATURE have?

Tiered/ bump rate

What is one benefit of having the SIGNATURE?

free incoming wires

Is there a transaction limit for SIGNATURE?

No

What is the first TD CD?

TD Choice

What is the second TD CD?

TD No Catch

What is the third TD CD?

TD Step Rate

What is the minimum deposit for all 3 CDs

$250

What are the terms available to CHOICE and STEP RATE?

3-5 years

What are the terms available to NO CATCH

6 to 12 months

What type of interest rate does CHOICE have?

Tiered

What type of interest rate does NO CATCH have?

Standard

What type of interest rate does STEP RATE have?

Bump rate

What are some benefits for CHOICE

• No monthly fees

• Promotional rate available

• Earn higher IR if linked to certain TD checking accounts

What are some benefits for NO CATCH

• one penalty-free withdrawal per term

What are some benefits for STEP RATE?

• Optional, penalty-free withdrawal each anniversary