TD Easy Trade offers 10% cash back for sustained recurring investment contributions

What changed

TD launched its Set It and Get It offer on October 5 for new eligible TD Easy Trade accounts. Clients who register in the app and maintain at least $50 in monthly pre-authorized deposits or monthly contribution-plan transfers can earn 10% cash back on eligible contributions, capped at $600 and paid in two installments after six and 12 months.

Loyalty and rewards implications

TD is using a delayed, capped cash-back incentive to turn recurring investment funding into a retention behaviour rather than a one-time acquisition event. Banks and credit unions can apply this structure to priority behaviours such as regular saving or investment contributions, but the long holding period and payout timing require unusually clear communication to protect trust.