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Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
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TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
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Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
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With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
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Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
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Understanding interest rates
Read on to know more about interest rates and how they can affect your investments.
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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
Credit Cards Go Back Credit Cards CloseCard Types
Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
Students Post grads New to CanadaExisting Cardholder Services
Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit scoreLearning Resources
Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn moreFeatured offer
TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
Mortgages Go Back Mortgages CloseMortgages
Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage ProtectionWhat’s Next For You?
Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to CanadaTools and Resources
Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialistTD Mortgage Direct
Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.
With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
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Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Student Advice
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Credit Application Guide
This step-by-step guide will help you understand the credit application process.
Personal Investing Go Back Personal Investing CloseRegistered Accounts & Plans
Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
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Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit ProtectionTravel Insurance Plans
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TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification ToolFile a TD Protection Plans claim
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Travel Insurance Claims Centre
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Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and ToolsWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesNeed help finding the right TD products?
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Understanding interest rates
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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking What’s New with a TD Chequing Account?\r\n"}}" id="text-da2f6a721a" class="cmp-text">What’s New with a TD Chequing Account?
Check out limited-time bank account offers and promotions\r\n"}}" id="text-440c5086d2" class="cmp-text">Check out limited-time bank account offers and promotions
Learn more Chequing Accounts What is a Chequing Account? A chequing account is the most basic transactional account you can have. It’s considered an account you can use every day. Some of the things you can do with your chequing account includes: Deposits (cash and cheques), withdraw money (at ATMs, bank tellers, etc.), one-time purchases (groceries, gas, etc), one-time or pre-authorized payments, transfers (between accounts of the same institution), Interac e-Transfer® transactions. Your funds in this account can be easily accessed at an ATM, online, by phone or in a branch.\r\n"}}" id="text-f38a4faa66" class="cmp-text">A chequing account is the most basic transactional account you can have. It’s considered an account you can use every day. Some of the things you can do with your chequing account includes: Deposits (cash and cheques), withdraw money (at ATMs, bank tellers, etc.), one-time purchases (groceries, gas, etc), one-time or pre-authorized payments, transfers (between accounts of the same institution), Interac e-Transfer® transactions. Your funds in this account can be easily accessed at an ATM, online, by phone or in a branch.
Need a recommendation? Special Offer Recently Viewed TD All-Inclusive Banking Plan Limited Time Offer: Get up to $750 in value § Unlimited banking transactions and premium banking benefits Annual fee rebate on select TD credit cardstaibpl3 (up to $139) Free chequestaibpl4, drafts & more Monthly account fee of $30.95 or $0 if you maintain a daily balance of $6,000 or moretaibpl5 Secure Open account Compare Account Special Offer Recently Viewed TD Unlimited Chequing Account Limited Time Offer: Get up to $750 in value § Unlimited transactions for your peace of mindtucal2 Annual fee rebate for the first year on select TD credit cards (up to $139)tucal3 No TD ATM fee at any ATM in Canadatucal4 Free Interac e-Transfer® transactionstucal2 Monthly account fee of $17.95 or $0 if you maintain a daily balance of $4,000 or moretaibpl5 secure Open account Compare Account " data-cardImg="/content/dam/tdct/images/personal-banking/everydaychequingaccount-en.svg" data-cardSpecialOffer="no" data-cardDescriptionUrl="/content/tdcom/ca/en/personal-banking/products/bank-accounts/chequing-accounts/every-day-chequing-account" data-cardType="acc" data-cardLang="en" data-cardComponentType="catalogue-card" data-filter="All options,Chequing"> Recently Viewed TD Every Day Chequing Account A budget-friendly account for everyday banking 25 transactionstucal2 per month plus unlimited public transit transactionstmcal10 Free Interac e-Transfer® transactions Monthly account fee of $11.95 or $0 if you maintain a daily balance of $3,000 or moretaibpl5 Secure Open account Compare Account " data-cardImg="/content/dam/tdct/images/personal-banking/minimumchequingaccount-en.svg" data-cardSpecialOffer="no" data-cardDescriptionUrl="/content/tdcom/ca/en/personal-banking/products/bank-accounts/chequing-accounts/minimum-chequing-account" data-cardType="acc" data-cardLang="en" data-cardComponentType="catalogue-card" data-filter="All options,Chequing"> Recently Viewed TD Minimum Chequing Account An account for those with minimal banking needs $3.95 Monthly Feetmcal11 12 transactionstucal2 including up to 2 full serve transactions per month plus unlimited public transit transactionstmcal10 secure Open account Compare Account Special Offer Recently Viewed TD Student Chequing Account Limited Time Offer: Get up to $125 tscatide tscamu An account designed for both youths and students, with no monthly fee Unlimited transactionstucal2 per month No Monthly Fee for Monthly Plan Overdraft Protection servicetscal4 Free Interac e-Transfer® transactions $0 Monthly Fee (until 23 years old or with proof of enrollment in full-time post-secondary education) secure Open account Compare Account Browse all bank accountsExplore our accounts to see which one is right for you.
Browse all bank accounts See all accounts Find the right TD productsJust answer a few simple questions. We’ll suggest TD products to help you achieve your banking goals.
Find the right TD products Help me choose Bank accounts and fees at a glance\r\n"}}" id="text-719e9fe9c6" class="cmp-text"> Bank accounts and fees at a glance This is a simple overview of our most common fees. For a complete list of all banking fees that might apply to your account, please check our helpful About Our Accounts and Related Services document, which you can download here, or ask for at any branch.\r\n"}}" id="text-e65cce8024" class="cmp-text">This is a simple overview of our most common fees. For a complete list of all banking fees that might apply to your account, please check our helpful About Our Accounts and Related Services document, which you can download here, or ask for at any branch.
View fees\r\n"}}" id="text-8523300f7c" class="cmp-text"> Frequently Asked Questions Chequing accounts\r\n"}}" id="text-94c8184310" class="cmp-text"> Chequing accounts How can I close a TD Chequing Account? To close your TD chequing account, simply visit the TD branch closest to you or call TD Easyline at 1-888-663-3279. Certain conditions may apply.\r\n"}}" id="text-853923ac20" class="cmp-text">To close your TD chequing account, simply visit the TD branch closest to you or call TD Easyline at 1-888-663-3279. Certain conditions may apply.
What is the difference between a chequing and savings account? Chequing accounts are usually used for day-to-day banking needs while savings accounts can help you achieve your savings goals.\r\n"}}" id="text-cded2a872f" class="cmp-text">Chequing accounts are usually used for day-to-day banking needs while savings accounts can help you achieve your savings goals.
Are cheques free? Depending on the chequing account type you open, your new chequing account may include free cheques. To view which accounts waive specified cheque fees, please visit the TD Public Site – Personal Bank Accounts page to view account features.\r\n"}}" id="text-1abef0aec9" class="cmp-text">Depending on the chequing account type you open, your new chequing account may include free cheques. To view which accounts waive specified cheque fees, please visit the TD Public Site – Personal Bank Accounts page to view account features.
Does TD offer any monthly no fee bank accounts? Yes, the Minimum Chequing Account has no monthly fee for recipients of the Guaranteed Income Supplement or beneficiaries of a Registered Disability Savings Plan or Indigenous Peoples from Canada or Newcomers to Canada (for 1st year in Canada)8. The TD Student Chequing Account has no monthly fee with unlimited transactions per month for Students and Youth4.\r\n"}}" id="text-1f7b1f911e" class="cmp-text">Yes, the Minimum Chequing Account has no monthly fee for recipients of the Guaranteed Income Supplement or beneficiaries of a Registered Disability Savings Plan or Indigenous Peoples from Canada or Newcomers to Canada (for 1st year in Canada)8. The TD Student Chequing Account has no monthly fee with unlimited transactions per month for Students and Youth4.
Can I earn interest by keeping money in my chequing account? Yes, you can earn interest on the TD Student Chequing Account and U.S. Daily Interest Chequing Account.\r\n"}}" id="text-5d20551f27" class="cmp-text">Yes, you can earn interest on the TD Student Chequing Account and U.S. Daily Interest Chequing Account.
Do all chequing accounts come with a debit card? Yes. All TD chequing accounts come with a debit card. You can also add your debit card to your digital wallet. Certain chequing accounts also allow you to make unlimited transactions with your debit card.\r\n"}}" id="text-e817fa8758" class="cmp-text">Yes. All TD chequing accounts come with a debit card. You can also add your debit card to your digital wallet. Certain chequing accounts also allow you to make unlimited transactions with your debit card.
Do I need a separate business chequing account? Although TD does not require you to open a separate account, it is recommended that you should not use the same chequing account for both personal and business expenses.\r\n"}}" id="text-14f163e6dc" class="cmp-text">Although TD does not require you to open a separate account, it is recommended that you should not use the same chequing account for both personal and business expenses.
How can I keep my monthly fees low? Understanding how often you’ll use your chequing account and for what will help determine the type of account and services you need. Some of our chequing accounts will waive the monthly fee if you keep the minimum balance at the end of each day of the month3.\r\n"}}" id="text-887327612f" class="cmp-text">Understanding how often you’ll use your chequing account and for what will help determine the type of account and services you need. Some of our chequing accounts will waive the monthly fee if you keep the minimum balance at the end of each day of the month3.
Do I need to maintain a minimum balance in my chequing account? No, however maintaining a minimum balance will waive monthly account fees for the following plans: TD All Inclusive Banking Plan, TD Unlimited Chequing Account and TD Everyday Banking Account.\r\n"}}" id="text-12f409781f" class="cmp-text">No, however maintaining a minimum balance will waive monthly account fees for the following plans: TD All Inclusive Banking Plan, TD Unlimited Chequing Account and TD Everyday Banking Account.
How does a chequing account work? A chequing account is a spending account that you can use every day to pay bills or for day-to-day purchases. Learn more about the different ways you can use your chequing account.\r\n"}}" id="text-5c45444255" class="cmp-text">A chequing account is a spending account that you can use every day to pay bills or for day-to-day purchases. Learn more about the different ways you can use your chequing account.
How can I open a chequing account? Most of our accounts can be opened online in less than 5 minutes. Make sure you have a valid email address, employer information, and valid ID (either a valid passport or Canadian driver’s license) to verify your ID.\r\n"}}" id="text-7afe8fb853" class="cmp-text">Most of our accounts can be opened online in less than 5 minutes. Make sure you have a valid email address, employer information, and valid ID (either a valid passport or Canadian driver’s license) to verify your ID.
Other questions you may have\r\n"}}" id="text-9f539e5a8e" class="cmp-text"> Other questions you may have How do I know my account information is safe? We take your bank account security and privacy very seriously at TD. You can learn more about Your TD Online and Mobile Security Guarantee.\r\nHere are some banking security tips to keep your chequing account safe:
\r\n\r\nSign up for Two-Step Verification\r\nDo not disclose your username/password\r\nMonitor your account(s) regularly for unauthorized transactions\r\n\r\nContact us immediately if you experience loss, theft, misuse, or compromise of your account.
\r\n"}}" id="text-cd0cb9189e" class="cmp-text">We take your bank account security and privacy very seriously at TD. You can learn more about Your TD Online and Mobile Security Guarantee.
Here are some banking security tips to keep your chequing account safe:
Sign up for Two-Step Verification Do not disclose your username/password Monitor your account(s) regularly for unauthorized transactionsContact us immediately if you experience loss, theft, misuse, or compromise of your account.
What is direct deposit and how does it work? Direct deposit allows you to get your employer and government payments deposited directly into your account. It’s convenient, reliable, and secure. Learn more about direct deposit and its benefits\n"}}" id="text-e9e758088b" class="cmp-text">Direct deposit allows you to get your employer and government payments deposited directly into your account. It’s convenient, reliable, and secure. Learn more about direct deposit and its benefits
Benefits of banking with TD Online and Mobile BankingManage your money from wherever you are. Harness the power of mobile banking with the TD App or bank online through EasyWeb.
TD MySpendPaired with your TD App, instantly keep track of your monthly spending so you can manage your cashflow and expenses more efficiently.
TD Mobile DepositUse your mobile device to take a photo of your cheque and deposit it directly into your account with the TD App without going into the branch.
Direct DepositSet up Direct Deposit to get employer and government payments deposited directly into your chequing account.
Learn more about chequing accounts Chequing vs Savings AccountUnderstand the differences between chequing and savings account so you know the benefits of each.
Single vs. Joint AccountUnderstand what a joint account is and its benefits when you manage an account with another individual.
Legal\r\n"}}" id="text-62488bde00" class="cmp-text">Legal
Have a question? Find answers here What's your question? Ask Us Popular questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular questions View morepopular questions Helpful related questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable.Sorry this didn't help. Would you leave us a comment about your search?
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66 Wellington Street West, Toronto, ON M5K 1A2
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
\r\n\r\nCanada Investment Regulatory Organization (CIRO)
\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
\r\n\r\n"}}" id="text-959b1239e4" class="cmp-text">Canada Deposit Insurance Corporation
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
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.
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.\r\n"}}" id="text-333fa79c60" class="cmp-text">You are now leaving our website and entering a third-party website over which we have no control.
Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.\r\nThird-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.
\r\n"}}" id="text-85a67fd483" class="cmp-text">TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
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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§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.
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.
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.
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.
All amounts are in Canadian dollars. Other conditions may apply.
Offer 1 - Chequing Account Offer: $500 Cash
† 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: 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. 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:
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.
2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.
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.
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;
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;
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
◊ 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: 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. 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;
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;
4) Customers who already have an existing TD Savings Account as of June 3, 2026;
5) Customers who had a TD Savings Account that was closed on or after June 4, 2025;
6) Customers who received any Savings Account offer from TD in 2024, 2025, 2026; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
8) Customers who are a Primary Cardholder of a personal TD Credit Card as of June 3, 2026.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
Fulfillment: The $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. Limitations: For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements. Maximum of one $150 cash offer (Offer 2) per New Savings Account and New TD Credit Card. Limit of one $150 cash offer (Offer 2) per customer. We can change, extend, or withdraw the cash offer at any time. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 3 –Savings Offer: Earn 4% Bonus Interest Rate for 90 Days
∞ Eligible customers can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new TD Savings Account – on any balances up to $1,000,000. The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must: Open a New 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
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 the New Chequing Account opening; Deposit Funds to Earn an Additional 4.00% Bonus Interest Rate for 90 Days
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 (“Promotional Period”), subject to the limitations below. 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. After the Promotional Period ends, only the posted interest rate will apply. For the current posted interest rates, interest calculations, and information about Daily Closing Balance, see About Our Interest Calculations. 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 already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
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;
4) Customers who already have a TD Savings Account as of June 3, 2026;
5) Customers who had a TD Savings Account that was closed on or after June 4, 2025;
6) Customers who received any TD Savings Account offer from TD in 2024, 2025, 2026; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment: The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account monthly during the Promotional Period, provided that the New Chequing Account and the New Savings Account are still open, in good standing, and all conditions continue to be met at the time of fulfillment. Limitations: For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements. If the New Savings Account plan type is changed during the Promotional Period (for example, from a TD Every Day Savings Account to a TD Growth Savings Account), the New Savings Account will no longer be eligible to receive the Bonus Savings Interest Rate. This Offer cannot be combined with other savings account promotional offers. Where a customer qualifies for more than one offer, this Offer will be applied to the Eligible TD Savings Account first, to the exclusion of any other offer in any TD Savings Account. There may be tax implications associated with the Bonus Savings Interest Rate. Customers should consult with their personal tax advisor for more information. Interest rates may change without notice. We can change, extend, or withdraw this offer at any time. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. 1 Customers with an All-Inclusive Banking Plan ("All-Inclusive Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card per calendar year. TD Credit Card is subject to credit approval.
The "Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD Aeroplan® Visa Infinite Privilege* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The "Annual Fee Rebate" is: Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139; and Up to $75 towards the annual fee charged for one Additional Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for one Additional Cardholder if that amount is less than $75.
The Annual Fee Rebate amount will not exceed the annual fee charged to the Eligible TD Credit Card for the Primary Cardholder and an Additional Cardholder.
An All-Inclusive Account provides a maximum of one rebate for the Primary Cardholder, and one rebate for an Additional Cardholder annual fee (where applicable). This means: If you have an All-Inclusive Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible Credit Card with the highest number of Additional Cardholders, or, if multiple Eligible Credit Cards have the same number of Additional Cardholders, to the Eligible TD Credit Card opened first. If the All-Inclusive Account is a joint account, only one accountholder can receive an Annual Fee Rebate. We will apply the rebate to the Eligible TD Credit Card in accordance with the criteria above. For greater certainty, the Annual Fee Rebate will no longer be provided to one of the accountholders ("Customer A") if the other accountholder ("Customer B") obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee. In this scenario, once Customer B obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee, Customer B will become eligible for the Annual Fee Rebate. Customer A will be charged the annual fee for their TD Credit Card in the anniversary month when Customer A's card annual fee was first charged and continue to be charged annually thereafter, without receiving an Annual Fee Rebate.
In order to receive the Annual Fee Rebate on your Eligible TD Credit Card: You must have an All-Inclusive Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged At the time the annual fee is charged to your Eligible TD Credit Card, the All-Inclusive Account and the Eligible TD Credit Card must be open and in good standing
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of the Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card. 2 Basic cheques ordered online through EasyWeb. 3 Minimum monthly balance indicated must be maintained at the end of each day in the month to qualify for the fee rebate. 4 For more information about transactions and a complete list of account fees and other service fees, see About our Account and Related Services. 5 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
The "Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The "Annual Fee Rebate" is: Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139.
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
An Unlimited Account provides a maximum of one Annual Fee Rebate. This means: If you have an Unlimited Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or,if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible TD Credit Card opened first. If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
In order to receive an Annual Fee Rebate on your Eligible TD Credit Card: You must have an Unlimited Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged. At the time the annual fee is charged to your Eligible TD Credit Card, the Unlimited Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of this Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card. 6 You may pay a fee to the ATM provider.
7 Unlimited public transit transactions includes public transportation purchases made at most Canadian public transit agencies, including commuter transportation, boat lines and bus lines. Purchases must be made through a Point of Sale (POS) device or online. 8 You pay no monthly fee if you are: Guaranteed Income Supplement recipients Registered Disability Savings Plan beneficiaries Indigenous Peoples from Canada Newcomers to Canada (for 1st year in Canada) Proof of eligibility is required: government letter confirming GIS eligibility; proof of beneficiary status on an RDSP; confirmation of membership/citizenship in an Indigenous community in Canada; or confirmation of Permanent Residency or Temporary Residency in Canada. 9 Subject to credit approval. The account holder must be age of majority in their province of residence to apply for Overdraft Protection Service (ODP). Amount in overdraft is subject to an interest rate of 21% per annum. If the type of TD Chequing Account is switched, the ODP fee may be impacted. ∑ TD Student Chequing Account Offer
∑ The $125 Cash Offer is available to full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, who are Canadian residents that do not have an existing TD chequing account, that are the age of majority at time of account opening in their province or territory of residence. We reserve the right to limit the number of accounts opened and the number of cash offers by any one person. Your account must be open, active and in good standing at the time the cash offer is deposited. Please allow 12 weeks after the conditions have been met for fulfillment. ∏ Open a new TD Student Chequing Account between November 6, 2025 and June 29, 2026 (the “New Account”) and complete any two of the following with the New Account before August 31, 2026:
i) Set up and receive a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by August 31, 2026. 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.
ii) Send or receive one e-Transfer of at least $30 by August 31, 2026;
iii) Make an online purchase using your TD Access Card with Visa*Debit by August 31, 2026. Regular transaction fees may apply, see About Our Accounts and Related Services for more information.
iv) Set-up a recurring Pre-authorized Transfer Service or Simply Save Service from the New Account to a TD Every Day Savings Account or TD ePremium Savings Account by August 31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly or bi-weekly of any amount between $0.50 to $5.00;
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
The following are not eligible for the $125 Cash Offer:
(i) Customers who already have a TD Chequing account that was closed on or after November 6, 2024; or
(ii) Individuals who received any chequing account offer from TD from 2023 to 2025; or
(iii) TD staff members or a joint account with a TD staff member.
For any New Account that is a joint account, at least one account holder on the New Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per New Account. The $125 Cash Offer will be deposited to the New Account within 12 weeks after all conditions have been met, provided that the New Account is still open, in good standing, with all conditions continuing to be met. We can change, extend or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
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