Add a savings account to the TD Bank app in three steps
Open the TD Bank app on your phone or tablet. Tap the menu icon (three horizontal lines) in the bottom right corner, then select "Accounts." Tap the plus sign or "Add Account" button. Choose "Link External Account" if the savings account is at another bank, or "Add TD Account" if it's another TD savings account you already own. Enter the account number and routing number, then follow the prompts to verify the account by confirming two small deposits TD will make to it—this usually takes one to two business days.
If you're adding a TD savings account you already have, the process is faster: the app will show available TD accounts linked to your login, and you can add them directly without verification deposits. Once the account appears in your app, you can transfer money between it and your checking account, set up automatic transfers, and monitor the balance.
Key Takeaways
- TD savings accounts you already own appear in the app automatically once you log in, but external savings accounts require verification through two small test deposits.
- You will need the account number and routing number of any external savings account before you start the linking process.
- Verification deposits typically arrive within one to two business days, and you must confirm the amounts in the app to complete the link.
- Once linked, you can transfer money between accounts, set up recurring transfers, and monitor all balances from one screen.
What information you need before you start
Gather the account number and routing number for the savings account you want to add. The account number appears on checks, statements, or your online banking portal for that bank. The routing number is a nine-digit code specific to the bank and branch—you can find it on the bottom left of a check, or by searching "[bank name] routing number" online.
If you're adding another TD savings account, you don't need these numbers. The app will show all TD accounts tied to your login automatically, and you can select which ones to display on your main screen.
Linking an external savings account step by step
Tap the menu icon at the bottom right of the app and select "Accounts." Tap the plus sign or "Add Account" button. Choose "Link External Account." Enter the routing number and account number of the savings account. Select the account type (savings) and give it a nickname so you can identify it easily in the app.
TD will then initiate two small deposits—usually under $1 each—to the external savings account. These deposits arrive within one to two business days. Once they land, return to the app, tap "Verify Account," and enter the exact amounts of both deposits. After you confirm the amounts, the account is fully linked and ready to use.
Do not close the app or navigate away during this process. If you get interrupted, you can return to "Add Account" and continue where you left off—the verification deposits will still be pending.
Using your linked savings account
Once the account is verified and linked, you can transfer money to and from it using the app. Tap "Transfer" on the main screen, select the accounts you want to move money between, enter the amount, and confirm. Transfers between your TD checking and a linked TD savings account usually complete the same day. Transfers to or from an external bank account typically take one to three business days.
You can also set up automatic recurring transfers—for example, moving $100 to savings every payday. Tap "Transfers," then "Set Up Recurring Transfer," and choose the frequency and amount. The app will remind you before each transfer goes through.
Removing or managing linked accounts
To remove a linked account, open the app menu, select "Accounts," find the account you want to remove, and tap the three dots or settings icon next to it. Select "Remove Account" or "Unlink Account." The account will no longer appear in your app, but the account itself remains open at its bank—unlinking only removes it from your view.
To change the nickname of a linked account, tap the settings icon next to it and select "Edit Account Name." This helps you keep track of multiple savings accounts or accounts at different banks.
Troubleshooting common problems
If the verification deposits don't arrive after three business days, check that you entered the routing number and account number correctly. Log into your external bank's website or app to confirm the account number matches what you entered in TD. If the numbers are correct but deposits still haven't arrived, contact TD customer service—they can resend the deposits or investigate a delay.
If you enter the wrong deposit amounts during verification, the app will reject them and ask you to try again. You have multiple attempts, so take your time matching the exact amounts. If you've tried several times and the amounts don't match what you see in your external bank account, contact TD to confirm the deposits were sent to the correct account.
If the app won't let you add an account, make sure you're using the most current version of the TD Bank app. Check your phone's app store for updates, download the latest version, and try again. Some older phones or operating systems may have compatibility issues—if updating doesn't work, contact TD support.
Frequently Asked Questions
Can I add a savings account from a different bank?
Yes. Choose "Link External Account" instead of "Add TD Account," and enter the routing number and account number. You'll need to verify it with the two test deposits, which takes one to two business days.
Do I need to verify a TD savings account I already own?
No. If you already have a TD savings account and are logged into the app with the same login credentials, it will appear automatically. You can add it to your main screen without verification deposits.
What if I don't know my routing number?
Check the bottom left of a check from that account, or log into your bank's website and look for account details. You can also search "[bank name] routing number" online, but make sure you get the routing number for the specific branch where the account is held.
How long do transfers take once the account is linked?
Transfers between two TD accounts usually complete the same day. Transfers to or from an external bank account take one to three business days, depending on the other bank's processing time.
Can I link the same savings account twice?
No. Once a savings account is linked to your TD app, you can't add it again. If you want to give it a different nickname or change how it appears, edit the existing linked account instead of creating a duplicate.