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Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.

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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offers

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TD New to Chequing Offer

Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.

View offer details

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Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.

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Change province Get up to $750§ in value starting with a new eligible TD Chequing Account.\r\n"}}" id="text-50c6d278ea" class="cmp-text"> Get up to $750§ in value starting with a new eligible TD Chequing Account. Choose from our most popular TD Unlimited Chequing Account or get more benefits with a TD All-Inclusive Banking Plan. Offer ends October 1, 2026. Conditions apply.

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Choose from our most popular TD Unlimited Chequing Account or get more benefits with a TD All-Inclusive Banking Plan. Offer ends October 1, 2026. Conditions apply.

secure Open TD Unlimited Chequing Account secure Open TD All-Inclusive Banking Plan Steps to get up to $750§ in value\r\n"}}" id="text-84f775cd17" class="cmp-text"> Steps to get up to $750§ in value 1 Open a new eligible Chequing Account

Get $500† by opening a TD Unlimited Chequing Account or TD All-Inclusive Banking Plan by October 1, 2026 and complete two of the following by December 2, 2026:

Receive a recurring Direct Deposit Set up a recurring Pre-Authorized Debit Payment Make an Online Bill Payment 2 Bundle with a new eligible Savings Account & TD Credit Card to earn more

Get an additional $150◊ when you:

Open a new eligible Savings Account within 30 days of opening the New Chequing Account and complete one of the following within 30 days of opening the New Savings Account: Set up a Pre-authorized Transfer Service Set up Simply Save And, apply and be approved for a new eligible TD Credit Card within 30 days of opening the New Chequing Account.◊ 3 Deposit into a new eligible Savings Account to earn a Bonus Interest Rate∞.

Open and deposit into a new eligible Savings Account to earn a 4% Bonus Interest Rate in addition to the posted interest rate for 90 days on balances up to $1,000,000. The more you deposit, the more you earn.

That means you could earn 4.45% with a TD ePremium Savings Account when you deposit more than $10,000.

Ready to get this offer?

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Ready to get this offer?

TD Unlimited Chequing Account

Most popular

Open an account Unlimited transactions2, including free Interac e-Transfers®
First year TD Credit Card fee rebate3 (up to $139) No TD ATM fee to use on any ATM in Canada5 Monthly account fee of $17.95 or $0 if you maintain a daily balance of $4,000 or more1 TD All-Inclusive Banking Plan

Most benefits

Open an account  Unlimited transactions2, including free Interac e-Transfers® Annual TD Credit Card fee rebate (up to $139)4 No TD fees at Non-TD ATMs or Foreign ATMs5 Free cheques10, drafts & more Monthly account fee of $30.95 or $0 if you maintain a daily balance of $6,000 or more1 Frequently Asked Questions\r\n"}}" id="text-62edac52bf" class="cmp-text"> Frequently Asked Questions When will I get my Cash offer? The Cash offer will be deposited to the new eligible Chequing Account within 12 weeks after all conditions have been met.

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The Cash offer will be deposited to the new eligible Chequing Account within 12 weeks after all conditions have been met.

Can I get the $750 in value Cash offer from opening a Chequing Account only? No, to get the $750 in value, customers must open a new eligible TD Chequing Account plus a new eligible TD Savings Account with a deposit and a new eligible TD Credit Card. Customers must also complete the requirements listed to get the offer.

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No, to get the $750 in value, customers must open a new eligible TD Chequing Account plus a new eligible TD Savings Account with a deposit and a new eligible TD Credit Card. Customers must also complete the requirements listed to get the offer.

Can I get the bundle offer for Savings and TD Credit Cards if I already have a TD Chequing Account? No, the bundle offer is only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the Savings Cash offers.

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No, the bundle offer is only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the Savings Cash offers.

Can I get the Bonus Savings Interest Rate offer if I already have a TD Chequing Account? No, the Bonus Savings Interest Rate offer is only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the bundle offer.

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No, the Bonus Savings Interest Rate offer is only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the bundle offer.

Can I get the Cash offer if I open my account in Branch? Yes, you can open your account in branch, online, or by phone.

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Yes, you can open your account in branch, online, or by phone.

Can I get the Chequing Account Cash offer if I already have a TD Chequing Account? No, customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the Chequing Account Cash offer.

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No, customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 4, 2026, are not eligible for the Chequing Account Cash offer.

Is there a minimum dollar value for the bill payments to qualify for the Chequing Account Cash Offer? Yes, the minimum dollar value for bill payments to qualify is $50.

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Yes, the minimum dollar value for bill payments to qualify is $50.

Is there a simple way to switch to a new TD Bank account? Yes, the TD Switch Kit has a step-by-step guide to help you make a smooth transition

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Yes, the TD Switch Kit has a step-by-step guide to help you make a smooth transition

How is the 4% Bonus Savings Interest Rate offer calculated? The account will earn a Bonus Savings Interest Rate of 4.00% per annum on any balances up to $1,000,000 for 90 days in addition to the current applicable posted interest rate for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter. The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account. The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.

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The account will earn a Bonus Savings Interest Rate of 4.00% per annum on any balances up to $1,000,000 for 90 days in addition to the current applicable posted interest rate for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter. The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account. The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.

Features for all TD Chequing Accounts\r\n"}}" id="text-b2301fd560" class="cmp-text"> Features for all TD Chequing Accounts TD MySpend

Paired with your TD app, instantly keep track of your monthly spending6.

My TD Rewards

Score deals and get personalized offers with your TD Access Card with Visa* Debit and eligible TD Credit Cards.

TD Mobile Deposit

Deposit cheques as soon as you receive them so you can spend more time doing the things you want8.

Earn more Stars at Starbucks®

Link your eligible TD Credit Card or TD Access Card with Visa* Debit and Starbucks Rewards account to earn more Stars towards your Starbucks® favourites9.

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Toronto-Dominion Centre – Corporate Office
66 Wellington Street West, Toronto, ON M5K 1A2

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Your deposits may be insurable by the Canada Deposit Insurance Corporation.

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Learn more

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Canada Investment Regulatory Organization (CIRO)

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CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

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www.ciro.ca

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Canada Deposit Insurance Corporation

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

Learn more

Canada Investment Regulatory Organization (CIRO)

CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

www.ciro.ca

See you in a bit\r\n"}}" id="text-9b11cbd20f" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.

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You are now leaving our website and entering a third-party website over which we have no control.

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Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Loans and lines of credit Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial Services When will I get my Cash offer? The Cash offer will be deposited to the new eligible Chequing Account or into TFSA HISA for TFSA HISA account holders within 12 weeks after all conditions have been met.

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The Cash offer will be deposited to the new eligible Chequing Account or into TFSA HISA for TFSA HISA account holders within 12 weeks after all conditions have been met.

Can I get the $700 Cash offer from opening a Chequing Account only? No, to get the $700 Cash offer, customers must open a new eligible Chequing Account plus a new eligible Savings Account. Customers must also complete the requirements listed to get the Cash offer.

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No, to get the $700 Cash offer, customers must open a new eligible Chequing Account plus a new eligible Savings Account. Customers must also complete the requirements listed to get the Cash offer.

Can I get the Savings Cash offers if I already have a TD Chequing Account? No, the Savings Cash offers are only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025, are not eligible for the Savings Cash offers.

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No, the Savings Cash offers are only available if you open a new eligible TD Chequing Account. Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025, are not eligible for the Savings Cash offers.

Is there a minimum deposit balance to qualify for the Savings Cash offer? Yes, if the total deposit amount is below $10,000, it will not qualify for the Savings Cash offer. Please refer to the deposit tiers for qualifying cash offer amounts.

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Yes, if the total deposit amount is below $10,000, it will not qualify for the Savings Cash offer. Please refer to the deposit tiers for qualifying cash offer amounts.

If I have an existing TD Mutual Funds Tax-Free Savings Account or a TD Direct Investing Tax-Free Savings Account will I qualify if I open up a TFSA HISA account? No, a customer does not qualify if they have an existing TD Multi-Holding Tax Free Savings Account, TD Mutual Fund Tax-Free Savings Account or TD Direct Investing Tax-Free Savings Account.

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No, a customer does not qualify if they have an existing TD Multi-Holding Tax Free Savings Account, TD Mutual Fund Tax-Free Savings Account or TD Direct Investing Tax-Free Savings Account.

Can I get the Cash offer if I open my account in Branch? Yes, you can open your account in branch, online, or by phone.

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Yes, you can open your account in branch, online, or by phone.

Can I get the Chequing Account Cash offer if I already have a TD Chequing Account? No, customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025, are not eligible for the Chequing Account Cash offer.

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No, customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025, are not eligible for the Chequing Account Cash offer.

Is there a minimum dollar value for the bill payments to qualify for the Chequing Account Cash Offer? Yes, the minimum dollar value for bill payments to qualify is $50.

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Yes, the minimum dollar value for bill payments to qualify is $50.

If I purchase a Guaranteed Investment Certificate (GIC) in the Tax-Free Savings Account (TFSA) would I qualify for the offer? No, a GIC purchased in the TFSA would not qualify. The only way to qualify for the offer is if the cash funds are deposited directly into the TFSA HISA account and the balance is maintained for 120 days.

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No, a GIC purchased in the TFSA would not qualify. The only way to qualify for the offer is if the cash funds are deposited directly into the TFSA HISA account and the balance is maintained for 120 days.

Does a deposit into the cash portion of a TD Multi-Holding Tax Free Savings Account qualify?  No, in order to qualify for the cash offer a customer must open a new High Interest TFSA Savings Account (TFSA HISA) within TD Canada Trust TFSA. TD Multi-Holding Tax Free Savings Account is not a qualifying account.

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No, in order to qualify for the cash offer a customer must open a new High Interest TFSA Savings Account (TFSA HISA) within TD Canada Trust TFSA. TD Multi-Holding Tax Free Savings Account is not a qualifying account.

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TD New to Bank Offer (Terms and Conditions)

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Calculating up to $750 in value

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§ Up to $750 in value is calculated as follows: Offer 1) $500 cash + Offer 2) $150 cash + Offer 3) an estimated value of $100 in bonus interest. The estimated bonus interest value is based on a $10,139 Daily Closing Balance earning the Bonus Savings Interest Rate during the 90-day Bonus Rate period. Actual bonus interest earned may be higher or lower depending on the account balance and activity.

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Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the "New Chequing Account") by October 1, 2026 and complete the qualifying criteria described in the Offer 1 - Chequing Account Offer: $500 Cash section.

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Offer 2) Earn $150 in cash when a New Chequing Account customer opens a new TD Every Day Savings Account, TD GrowthTM Savings Account, or TD ePremium Savings Account (the "New Savings Account") AND applies and is approved for a new eligible TD Credit Card within 30 days of the New Chequing Account opening, and completes the qualifying criteria described in the Offer 2 - Bundle Offer : $150 Cash section.

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Offer 3) Earn an additional 4.00% Bonus Savings Interest Rate for 90 days when a New Chequing Account customer opens a New Savings Account within 30 days of the New Chequing Account opening and completes the qualifying criteria described in the Offer 3 – Savings Offer: Earn 4% Bonus Interest Rate for 90 Days section.

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All amounts are in Canadian dollars. Other conditions may apply.

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TD New to Bank Offer (Terms and Conditions)

Calculating up to $750 in value

All amounts are in Canadian dollars. Other conditions may apply.

Offer 1 - Chequing Account Offer: $500 Cash

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† The Chequing Account Offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $500 in cash by completing the required activities:

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1) Open a New Chequing Account
\r\n A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the "New Chequing Account") must be opened between June 4, 2026 and October 1, 2026.

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2) Complete Any Two of the Following Activities

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To qualify, any two of the following activities must be completed, with the related transactions posted to your account by December 2, 2026:

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1) Receive a recurring Direct Deposit from an employer, pension provider or government. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.

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2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.

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3) Have a recurring Pre-Authorized Debit of at least $50 come out of your account. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits

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Eligibility Restrictions

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This offer is not available to:

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1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;

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2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;

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3) Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;

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4) Customers who received any TD Chequing Account offers from TD in 2024, 2025, 2026; or

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5) TD staff members or any TD customers who have a joint account with a TD staff member.

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Fulfillment:

\r\n\r\nThe $500 cash will be deposited into the New Chequing Account within 12 weeks after all required conditions have been met.\r\n\r\n

At the time of fulfillment, the New Chequing Account:

\r\n\r\nMust still be open, in good standing, and all conditions continue to be met; and\r\nThe monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, before the cash offer is deposited into the New Chequing Account.\r\n\r\n

Limitations:

\r\n\r\nFor any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements. \r\nLimit of one $500 cash offer (Offer 1) per New Chequing Account and per customer.\r\nWe can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package. \r\n\r\n

For information about transactions and a complete list of account fees, see  About Our Accounts and Related Services.

\r\n

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Offer 1 - Chequing Account Offer: $500 Cash

1) Open a New Chequing Account
A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the "New Chequing Account") must be opened between June 4, 2026 and October 1, 2026.

2) Complete Any Two of the Following Activities

To qualify, any two of the following activities must be completed, with the related transactions posted to your account by December 2, 2026:

2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.

Eligibility Restrictions

This offer is not available to:

1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;

2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;

4) Customers who received any TD Chequing Account offers from TD in 2024, 2025, 2026; or

5) TD staff members or any TD customers who have a joint account with a TD staff member.

Fulfillment:

The $500 cash will be deposited into the New Chequing Account within 12 weeks after all required conditions have been met.

At the time of fulfillment, the New Chequing Account:

Must still be open, in good standing, and all conditions continue to be met; and The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, before the cash offer is deposited into the New Chequing Account.

Limitations:

For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements. Limit of one $500 cash offer (Offer 1) per New Chequing Account and per customer. We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package.

For information about transactions and a complete list of account fees, see  About Our Accounts and Related Services.

Offer 2: Bundle Offer: $150 Cash

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◊ The $150 cash offer is available to Canadian residents that are of the age of majority at time of the New Savings Account and the TD Credit Card opening in their province or territory of residence. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a new TD Savings Account, defined below, and a new eligible TD Credit Card, and completing the required activities within the specified timelines:

\r\n\r\nOpen a New Eligible Chequing Account
\r\n Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account (the "New Chequing Account") between June 4, 2026 and October 1, 2026, and \r\nOpen a New Savings Account and Complete One Activity:
\r\n \r\nOpen a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (the "New Savings Account") within 30 days of opening the New Chequing Account; and\r\nComplete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of the New Savings Account opening:
\r\n1) Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
\r\nor
\r\n2) Set up Simply Save. \r\n\r\n\r\nOpen a New Eligible TD Credit Card
\r\nApply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (the "New TD Credit Card") within 30 days of the New Chequing Account opening.
\r\n
\r\nThe New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.\r\n\r\n

Eligibility Restrictions

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This offer is not available to:

\r\n

1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;

\r\n

2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;

\r\n

4) Customers who already have an existing TD Savings Account as of June 3, 2026;

\r\n

5) Customers who had a TD Savings Account that was closed on or after June 4, 2025;

\r\n

6) Customers who received any Savings Account offer from TD in 2024, 2025, 2026; or

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7) TD staff members or any TD customers who have a joint account with a TD staff member.

\r\n

8) Customers who are a Primary Cardholder of a personal TD Credit Card as of June 3, 2026.

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9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.

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Fulfillment:

\r\n\r\nThe $150 cash will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account, the New Savings Account, and New TD Credit Card are still open, in good standing, and all conditions continue to be met at the time of fulfillment.\r\n\r\n

Limitations:

\r\n\r\nFor any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.\r\nMaximum of one $150 cash offer (Offer 2) per New Savings Account and New TD Credit Card.\r\nLimit of one $150 cash offer (Offer 2) per customer.\r\nWe can change, extend, or withdraw the cash offer at any time.\r\n\r\n

For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.

\r\n

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Offer 2: Bundle Offer: $150 Cash

Open a New Eligible Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account (the "New Chequing Account") between June 4, 2026 and October 1, 2026, and Open a New Savings Account and Complete One Activity:
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (the "New Savings Account") within 30 days of opening the New Chequing Account; and Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of the New Savings Account opening:
1) Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or
2) Set up Simply Save. Open a New Eligible TD Credit Card
Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (the "New TD Credit Card") within 30 days of the New Chequing Account opening.

The New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.