You can add a savings account to the TD Bank app in about five minutes from your phone or computer

The TD Bank app lets you see and manage multiple accounts in one place. If you have a savings account at TD Bank that isn't showing up in your app, you can link it yourself without calling the bank. The process is the same whether the account is brand new or one you opened years ago.

You'll need your TD Bank username and password, and the account number for the savings account you want to add. The app will ask you to verify the account is yours by confirming a small deposit or answering security questions — this takes a few minutes but only happens once.

Key Takeaways

  • Open the TD Bank app, tap the menu icon, and look for an option to add or link accounts — the exact wording depends on which version of the app you have.
  • You will need your account number, which appears on your savings account statement or the card that came with the account.
  • TD Bank will ask you to verify you own the account, usually by confirming a small test deposit or answering security questions tied to your account.
  • Once verified, the savings account will appear alongside your other accounts in the app, and you can check the balance and move money between them.
  • If the account does not appear after verification, try logging out of the app completely and logging back in.

Steps to add a savings account on the mobile app

Open the TD Bank app on your phone and sign in with your username and password. Look for a menu icon — usually three horizontal lines in the top left or bottom right corner of the screen. Tap it to open the navigation menu.

Find the option to add or link an account. Depending on your app version, this might say "Add Account," "Link Account," "Manage Accounts," or "Account Settings." Tap that option. The app will ask you to enter the account number for the savings account you want to add. You can find this number on your savings account statement, the debit card that came with the account, or in any letter TD Bank sent you about the account.

After you enter the account number, the app will ask you to verify that you own the account. This is a security step to make sure someone else cannot add your account to their phone. TD Bank typically does this in one of two ways: they may deposit a small amount (usually between 1 and 5 cents) into the account and ask you to confirm the exact amount, or they may ask you security questions based on information in your account file. Answer correctly and tap confirm.

Once verified, the savings account will appear in your app alongside any other accounts you have linked. You may need to log out and log back in to see it when ready, but it usually shows up within a few seconds.

Adding an account through the TD Bank website

If you prefer to use a computer, you can add a savings account through the TD Bank website instead. Go to tdbank.com, sign in with your username and password, and look for a settings or account management section — this is often found in a menu labeled "Settings," "Preferences," or "My Accounts."

Select the option to add or link an account and enter the account number for your savings account. The website will walk you through the same verification process as the app — either confirming a test deposit or answering security questions. Once you verify, the account will be linked to your online banking profile and will sync to your mobile app the next time you open it.

What to do if the account does not appear after you add it

If you completed the verification step but the savings account still is not showing in your app, the most common fix is to log out completely and log back in. Close the app entirely (not just minimize it), wait a few seconds, then reopen it and sign in again. This forces the app to refresh and pull the latest account information from TD Bank's servers.

If the account still does not appear after you log out and back in, check that you entered the correct account number. A single wrong digit will prevent the account from linking. You can verify the account number by checking your savings account statement or calling TD Bank customer service at the number on the back of your debit card.

In rare cases, there may be a delay of a few hours if the account was opened very recently or if there is a technical issue on TD Bank's end. Wait a few hours and try again. If the problem continues, contact TD Bank directly — they can link the account for you over the phone or through their customer service chat.

Moving money between your linked accounts

Once your savings account is linked in the app, you can transfer money between it and your other TD Bank accounts. Open the app, look for a "Transfer" or "Move Money" button (usually on the home screen or in the main menu), and select the accounts you want to transfer between.

Enter the amount you want to move and confirm. Most transfers between your own TD Bank accounts happen when ready or within a few minutes. You can set up recurring transfers if you want to move the same amount regularly — for example, moving money to savings every payday.

Frequently Asked Questions

Do I need to call TD Bank to add a savings account to the app?

No. You can add the account yourself through the app or website in a few minutes. You only need to call if you cannot remember your account number, if the account is very new and has not fully activated yet, or if you run into a technical problem that does not resolve after logging out and back in.

What if I have a savings account at a different bank?

The TD Bank app only links accounts that are held at TD Bank. If you have a savings account at another bank, you cannot add it to the TD Bank app. However, some banks allow you to set up external transfers, which lets you move money between banks through your TD Bank account. Check with TD Bank customer service about whether this option is available for your situation.

Will adding a savings account to the app change my account or affect my money?

No. Linking the account to the app is purely a display and management tool. It does not change the account itself, move any money, or affect your balance. You are straightforward giving the app permission to show you that account and let you manage it from your phone.

Can I add a savings account that someone else owns?

No. The app will only let you add accounts that are registered in your name. During the verification step, TD Bank confirms that you are the account owner. If you need to manage someone else's account, they would need to add it to their own app, or you would need to be listed as an authorized user on that account.

How long does it take for the savings account to show up after I verify it?

Usually a few seconds to a few minutes. If it does not appear right away, log out of the app completely and log back in. If you still do not see it after that, wait a few hours — in rare cases there can be a short delay on TD Bank's end.