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

Banking For

Newcomers Youth & Parents Students International Students Post Grads

Services

Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud Prevention

TD New to Chequing Offer

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

View offer details

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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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.

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Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage Protection

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Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to Canada

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Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialist

TD Mortgage Direct

Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.

Request a call

With a new TD mortgage, get up to $5,100 cashback.

Offer expires August 31, 2026. Conditions apply.

View offer details

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Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of Credit

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Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debt

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We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.

Visit online claims portal

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TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange services

Need help finding the right TD products?

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Understanding interest rates

Read on to know more about interest rates and how they can affect your investments.

Read article

Find Us Help United States English Select language Français 简体中文繁體中文

EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout EasyWeb WebBroker U.S. Banking Looking for a savings account?

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Looking for a savings account?

With a TD Savings Account, you can save for whatever is on your savings to-do list with a $0 monthly fee.

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With a TD Savings Account, you can save for whatever is on your savings to-do list with a $0 monthly fee.

Get started Savings Accounts A savings account is a deposit account that is designed for saving cash. It can help you achieve short, medium and long-term goals like a vacation, school expenses or an emergency fund. A savings account is more appropriate for savings goals as you typically earn interest when you deposit money for an extended period of time. TD has Personal Savings Accounts and tools to help you grow your savings and reach your goals faster.

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A savings account is a deposit account that is designed for saving cash. It can help you achieve short, medium and long-term goals like a vacation, school expenses or an emergency fund. A savings account is more appropriate for savings goals as you typically earn interest when you deposit money for an extended period of time. TD has Personal Savings Accounts and tools to help you grow your savings and reach your goals faster.

Need a recommendation? How a TD Savings Account can help meet your needs Help you reach your goals

Save for goals like vacations and renovations, or for emergency expenses.

Automate your savings

Set up a Pre-authorized Transfer or the Simply Save program to help build your savings. Learn More

TD MySpend

Paired with the TD app, use TD MySpend to keep track of your monthly spending and help you find ways to save more.1

No monthly fees

You'll save money with one less expense to worry about.

Savings Accounts Special Offer Recently Viewed TD ePremium Savings Account Limited Time Offer: Earn up to $5,000 with new deposits.Ŧ Save more with a higher interest ratetesal3 and free online transfers to your other TD deposit accountstesal2 High interest rate on balances of $10,000 or more Unlimited free online transfers to your other TD deposit accountstesal2 $0 Monthly Fee

View Details

secure Open account Compare Account Special Offer Recently Viewed TD Growth™ Savings Account Limited Time Offer: Earn up to $5,000 with new deposits.Ŧ Get a savings account that offers tiered interest rates for higher balances. Eligible TD Chequing customerstgsal1 can earn a Boosted ratetgsal1,tgsal2 that grows as your savings grow – not a limited time offer!tgsal2 Enjoy unlimited, free transfers to all of your TD deposit accounts.tgsal4 $0 Monthly Fee

View Details

secure Open account Compare Account Special Offer Recently Viewed TD Every Day Savings Account Limited Time Offer: Earn up to $5,000 with new deposits.Ŧ Ideal if you’re starting to save or want frequent access to your funds Every dollar earns interest calculated daily 1 transactiontucal2 per month $0 Monthly Fee

View Details

Secure Open account Compare Account Bank accounts and fees at a glance\r\n"}}" id="text-f5db732ab9" 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.

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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

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View fees

Frequently Asked Questions What is a savings account? A savings account is a deposit account that is designed for saving cash. It can help you achieve short, medium and long-term goals like a vacation, school expenses or an emergency fund. A savings account is more appropriate for savings goals as you typically earn interest when you deposit money for an extended period of time. TD has Personal Savings Accounts and tools to help you grow your savings and reach your goals faster.

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What types of Savings Accounts do you offer? Types of savings accounts

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Whatever your savings goals, we offer a range of easy, flexible, convenient savings account options to help you reach them:

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If you are a current TD customer you can apply for eligible products and services online through EasyWeb.

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Select Add Accounts & Services from the left menu after you log in to EasyWeb. If you prefer to use the TD app, you can open an account there too by selecting Get An Account after you log in.

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Types of savings accounts

Whatever your savings goals, we offer a range of easy, flexible, convenient savings account options to help you reach them:

TD ePremium Savings Account TD Every Day Savings Account TD Growth Savings Account

If you are a current TD customer you can apply for eligible products and services online through EasyWeb.

Select Add Accounts & Services from the left menu after you log in to EasyWeb. If you prefer to use the TD app, you can open an account there too by selecting Get An Account after you log in.

What is the difference between a chequing and savings account? A chequing account is the most basic transactional account you can have. It’s considered an account you can use every day. When you need to buy gas, grab groceries, or make a bill payment, people generally use their chequing account.

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A savings account can help you achieve short and long term saving goals. Instead of being used for day-to-day transactions savings accounts may be more appropriate for saving goals since these accounts earn interest.

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A chequing account is the most basic transactional account you can have. It’s considered an account you can use every day. When you need to buy gas, grab groceries, or make a bill payment, people generally use their chequing account.

How do I open a TD savings account? You can quickly and conveniently open an account that best meets your needs on our Bank Accounts page.

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You must be the age of majority in your province or territory of residence to open a bank account online.

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Open a bank account online now.

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If you are a current TD customer you can apply for eligible products and services online through EasyWeb. Select Add Accounts & Services from the left menu after you log in to EasyWeb. If you prefer to use the TD app, you can open an account there too by selecting Get An Account after you log in.

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You can also open an account in any TD Canada Trust branch. You will be asked for the following information:

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You can quickly and conveniently open an account that best meets your needs on our Bank Accounts page.

You must be the age of majority in your province or territory of residence to open a bank account online.

Open a bank account online now.

You can also open an account in any TD Canada Trust branch. You will be asked for the following information:

A valid passport or 1 piece of valid Canadian government-issued photo ID (such as a driver's license or permanent resident card) How can I automate my savings? Grow your money by enrolling in automatic savings programs like Simply Save and Pre-Authorized Transfer Service.

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Simply Save Program – Save a little bit every time you use your TD Access Card for debit purchases or ATM withdrawals.

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Pre-authorized Transfer Service – Automatically transfer funds to your savings account on a schedule that works best for you (daily, weekly, or monthly).

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Visit our automated savings tools page to see how you can make savings part of everyday life.

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Grow your money by enrolling in automatic savings programs like Simply Save and Pre-Authorized Transfer Service.

Simply Save Program – Save a little bit every time you use your TD Access Card for debit purchases or ATM withdrawals.

Pre-authorized Transfer Service – Automatically transfer funds to your savings account on a schedule that works best for you (daily, weekly, or monthly).

Visit our automated savings tools page to see how you can make savings part of everyday life.

Where can I find a full list of fees and service charges related to my Savings Account? Account fees and information To view fees associated with personal Chequing or Savings Accounts, please refer to the About our accounts and related services (PDF) document.

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Account fees and information To view fees associated with personal Chequing or Savings Accounts, please refer to the About our accounts and related services (PDF) document.

How is interest calculated on my bank account? Generally, we calculate interest on your account each day based on your account's daily closing balance. If you earn interest, we pay the accrued interest for the entire month to your account on the last business day of the month, unless otherwise stated different interest rates.

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Generally, we calculate interest on your account each day based on your account's daily closing balance. If you earn interest, we pay the accrued interest for the entire month to your account on the last business day of the month, unless otherwise stated different interest rates.

What are the interest rates for my TD savings account? You can use the links below to view details on our current rates.

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You can use the links below to view details on our current rates.

Account Interest Rates How Our Interest is Calculated (PDF) Browse all accounts

Explore our accounts to see which one is right for you.

See all accounts See all accounts Learn more about savings accounts How to calculate savings account interest?

Learn more about TD Savings Accounts and find out how you can decide which account is the best for you.

Chequing vs Savings Account

Understand the differences between chequing and savings accounts so you know the benefits of each.

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Legal

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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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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

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June 4, 2026 – Oct 1, 2026

Earn up to $5,000 in Cash with certain deposits.

The up to $5,000 cash offer (the "Cash Offer") is available to TD clients who: a. Are Canadian residents and are the age of majority in their province or territory of residence as of account opening b. Do not have a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account as of June 3rd, 2026 c. Open a new TD Savings Account, either a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account ("New Savings Account") between June 4, 2026 – October 1, 2026; and d. Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account from another financial institution(s) within 30 days of account opening and maintain the balance for 90 days in the account (the "Qualifying Deposit"), subject to the following: i. The Qualifying Deposit must be deposited in the New Savings Account within 30 days of account opening. ii. The Qualifying Deposit must be maintained in the New Savings Account for a minimum of 90 days starting from the 31st day of account opening. iii. If a client withdraws or transfers any part of the Qualifying Deposit during the 90-day period, the amount of the Qualifying Deposit will be subtracted and calculated accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer. iv. If a client has multiple TD Savings Accounts, funds in the accounts cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account with the greatest Qualifying Deposit. v. For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit. The following are not eligible for the Cash Offer: a) Clients who have an existing TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account as of June 3, 2026. b) Clients who had a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account that was closed on or after June 4, 2025. c) Clients who open a new TD Unlimited Chequing Account or TD All-Inclusive Banking Plan with a new TD Savings Account between June 4, 2026 and October 1, 2026, as part of the TD New to Bank Offer or New to Canada Banking Package Offer. At the end of the 90-day period, the amount of the Cash Offer (maximum $5,000) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:

Qualifying Deposit Cash Offer $10,000.00 to $24,999.99 $200.00 $25,000.00 to $49,999.99 $350.00 $50,000.00 to $99,999.99 $600.00 $100,000.00 to $249,999.99 $1,000.00 $250,000.00 to $499,999.99 $2,500.00 $500,000.00+ $5,000.00
Limit of one Cash Offer per eligible account. Limit of one Cash Offer per client. The Cash Offer is limited to a maximum of $5,000.

This Cash Offer cannot be combined with other savings account promotional offers.

For any New Savings Account that is a joint account, at least one account holder must meet the eligibility requirements.

The Cash Offer will be deposited to the New Savings Account where the Qualifying Deposit was deposited, within 12 weeks after all required conditions have been met, provided that the New Savings Account is still open, in good standing, and all conditions continuing to be met at the time of fulfillment.

There may be tax implications associated with the Cash Offer. Clients should consult with their personal tax advisor for more information.

For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the Cash Offer at any time. 1 The TD app and the TD MySpend app are free to download, however standard wireless carrier message and data rates may apply. 2 This account earns a higher rate of interest than the TD Every Day Savings Account. 3 No transaction fees for transfers from this account to another TD chequing or savings account when using EasyWeb Internet Banking or the TD app, except for transfers by cheque or through Interac e-Transfer® and no transaction fees for pre-authorized transfer services from this account to another TD chequing or savings account. All other transfers between accounts are treated as Transactions. 4 TD Growth Savings Account Boosted Rate (Terms and Conditions)

TD Growth Savings Account customers can earn the Boosted Rate instead of the Standard Posted Rate on balances of $5,000 or more with an eligible TD Chequing Account and by completing at least two of three Qualifying Monthly Transactions from an eligible TD Chequing Account each month.

TD Growth Savings Account customers can become eligible in the current month to earn and receive the Boosted Rate on balances of $5,000 or more in the following month.

Step 1: Have an eligible TD Chequing Account

Eligible TD Chequing Accounts include:

TD Unlimited Chequing Account TD All-Inclusive Banking Plan TD Wealth Private Banking Chequing Account

Step 2: Complete two out of three Qualifying Monthly Transactions

Two of the three Qualifying Monthly Transactions must be completed from an eligible TD Chequing Account by the last day of the current month, to earn and receive the Boosted Rate on balances of $5,000 or more in the TD Growth Savings Account in the following month.

The Qualifying Monthly Transactions can be completed from one or more eligible TD Chequing Account(s) and at least one account holder must be the same as an account holder of the TD Growth Savings Account.

Qualifying Monthly Transactions include:

Direct Deposit from an employer, pension provider or the Government. Online Bill Payment through TD EasyWeb or the TD app. Pre-Authorized Debit payment. Whether or not a recurring Direct Deposit is acceptable is subject to our approval.

The Boosted Rate is applied instead of the Standard Posted Rate on balances of $5,000 or more with an eligible TD Chequing Account and by completing at least two of three Qualifying Monthly Transactions from an eligible TD Chequing Account each month.

The Boosted Rate is applied to balances of $5,000 or more in the TD Growth Savings Account and paid on the last business day of the following month from when the customer becomes eligible. The TD Growth Savings Account must remain open the entire month including the last business day to receive the Boosted Rate.
Joint Accounts

For any TD Growth Savings Account that is a joint account, at least one account holder on the TD Growth Savings Account must be the same as an account holder of an eligible TD Chequing Account(s) and complete at least two of three Qualifying Monthly Transactions.

The Boosted Rate is calculated in the same way as the Standard Posted Rate.

The terms of the Boosted Rate Eligibility may be changed, extended, or withdrawn at any time. 5 For more information on Interest, see How Our Interest is calculated. 6 No Transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer® which are treated as Debit transactions. 7 For more information about transactions and a complete list of account fees and other service fees, see About our Account and Related Services.

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