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Student bank accounts, financial advice and solutions – TD Canada Trust Skip to main content PersonalSelected Small Business Commercial Investing TD Asset Management About TD Find Us Help United States English Select language Français 简体中文繁體中文 EasyWeb WebBroker U.S. Banking My Accounts Online Services EasyWeb WebBroker U.S. Banking Logout Accounts Accounts

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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.

View offer details

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Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar Business

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Learning Resources

Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn more

Featured 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.

View offer

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.

View offer

Mortgages Mortgages

Mortgages

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

What’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 Canada

Tools and Resources

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

Loans/Lines of Credit Loans/Lines of Credit

Loans and Lines of Credit

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

Student Borrowing

Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of Credit

Tools and Resources

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

Borrowing Advice

Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.

Get more info about borrowing

Student Advice

Get expert advice on things like building a student budget and other important financial topics.

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Credit Application Guide

This step-by-step guide will help you understand the credit application process.

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Investing Products

Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth Advisor

Tools and Resources

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Investor Education

Find an investing article that will help you invest with confidence and make financial decisions.

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Insurance Insurance

Credit Protection Plans

Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit Protection

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File a TD Protection Plans claim

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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

Advice Advice

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Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud prevention

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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.

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The Student Banking Package is extended until June 29, 2026 and no longer requires auto-deposit for Interac e-Transfer®. Click here to learn more.

TD Student Banking Package\r\n"}}" id="text-c528d5e59e" class="cmp-text"> TD Student Banking Package Earn up to $560 in value◊ when you bank with TD as a Student. Conditions apply. Limited time offer.

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Earn up to $560 in value◊ when you bank with TD as a Student. Conditions apply. Limited time offer.

TD Student Banking Offer See offer Financial success starts here for students With all the demands of school, let us help you take the stress out of banking. With TD, you get access to products and services (plus offers and rewards) designed especially for students. So you can spend your time living your best student life.

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With all the demands of school, let us help you take the stress out of banking. With TD, you get access to products and services (plus offers and rewards) designed especially for students. So you can spend your time living your best student life.

An account designed for students TD Student Chequing Account\r\n"}}" id="text-b4750f2373" class="cmp-text"> TD Student Chequing Account Offer ends June 29, 2026

Open a new TD Student Chequing Account and you could get a $125 Cash Offer.∑ Learn more.

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Splitting the bill on a night out or paying your roommate for groceries has never been easier with Interac e-Transfer®. Conveniently send and request money from friends or family.

Why you'll love banking with TD as a student Student life already comes with enough stress. Managing your finances shouldn’t add to it. At TD, we make it easier for you to open and manage your accounts, do your everyday banking, and even get rewarded in the process.

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Student life already comes with enough stress. Managing your finances shouldn’t add to it. At TD, we make it easier for you to open and manage your accounts, do your everyday banking, and even get rewarded in the process.

Earn more Starbucks Stars at participating Starbucks® stores

Simply link your eligible TD Credit or TD Access Card with Visa Debit* with your Starbucks® Rewards account to start earning. Conditions apply.

Big savings are on the way with Uber One

Eligible TD Cardholders can get a free 3-month Uber One trial, then 20% off their monthly membership fee! Conditions apply.

Shop securely online with your TD Access Card

From in-app purchases to music subscriptions, use your TD Access Card with Visa Debit* to shop wherever Visa* is accepted.2

Fraud protection at your fingertips

With TD Fraud Alerts, we’ll instantly3 send you text messages notifying you if we detect suspicious activity made with your TD Access Card.

Student banking solutions 101 Student credit cards

Build your credit while you’re studying — it’s never too early to start. Find the credit card that matches your lifestyle, from Cash Back Dollars or travel rewards to low rates and no fees. Find your match.

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Whether you’re starting out with investing or already a pro, we have solutions to help you achieve your goals. Know your choices today, so you’re prepared for tomorrow!

Student line of credit

Need some help paying for school? A student line of credit is a flexible way to fund your education.

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Saving for the future is a good idea at any stage of your life, and a savings account can help you do it. Whether you’re saving for school, a trip or just for a rainy day, we can help you reach your goals.

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Gain insights to be smart about your finances while studying.

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Figure out the total estimated cost of school. Realistically forecast your expenses, plus ideas on how to cover your costs.

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Make saving part of your everyday life with Pre-authorized Transfer Service or Simply Save Program.

TD Scholarships and opportunities for students TD Scholarships for community leadership

The TD Scholarships for Community Leadership are designed to recognize achievements of students who are making a difference in their community.

TD Scholarships for Indigenous Peoples

Created to meet the unique needs of students from the Indigenous community, there are 25 scholarships available to be awarded annually, worth up to $60,000 over 4 years.

TD Internships/Co-ops for students

Get a unique opportunity to gain valuable work experience. Join TD as an intern or co-op student.

Are you at a different stage in your journey?\r\n"}}" id="s2" class="cmp-text"> Are you at a different stage in your journey? I’m in high school

Still a teen? It’s never too early to start planning for what comes next. Explore our banking solutions and financial advice to get a head start on your financial journey!

Explore now I’m graduating soon

Thinking about what comes after graduation? We have products and services to match wherever you are on your journey, from investment advice to everyday banking options.

Check it out I’m continuing my education

Are you considering or actively pursuing a post-graduate program, such as an MBA, medical, dental or veterinary school? TD has flexible financing and banking solutions to help you feel confident about this important next step in your journey.

Learn more I am an international student

Studying in a new country can be challenging, but your banking doesn’t need to be! From opening a new bank account, building credit history to budgeting, we’re here with banking solutions and offers for your unique banking needs.

Find out how Protect yourself against fraud While we make every effort to secure your personal information, there's plenty you can do to avoid falling prey to fraud and identity theft. Through awareness and good online habits, you can spot scam attempts and significantly reduce your risk before it happens.

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While we make every effort to secure your personal information, there's plenty you can do to avoid falling prey to fraud and identity theft. Through awareness and good online habits, you can spot scam attempts and significantly reduce your risk before it happens.

How TD protects you

Using security features and tools like TD Fraud Alerts, TD Transaction Alerts, Two-Step Verification, Card Controls, and more, we’re trying our best to help you safeguard your finances and protect you and your family from being victims of fraud.

Explore more

Protecting yourself and your family

Some scams are common to everyone, while others are designed to specifically target youth, seniors and newcomers to Canada. We can help you learn how to spot various fraud and scams aimed both at you and your loved ones.

Find out how 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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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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Canada Deposit Insurance Corporation

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

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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.

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The document provided must have been issued by the school and contain the student name, the name of the University or College, program and year of study. Example: A letter on school letterhead signed or stamped by the school, or a copy of the tuition bill.

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The TD app and TD MySpend are free to download; however, standard message and data rates may apply.

1 For more information about transactions and a complete list of account fees, click here for Account and Other Related Service Fees. For information on our general services, please view our General List of Services.

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2 Fees apply; see our About our Accounts and Related Services document for more information.

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2 Fees apply; see our About our Accounts and Related Services document for more information.

3 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alert text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors, such as technology failures, service outages, multiple third-party involvement. TD Fraud Alert text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD customer profile. Receipt of the text message may also be delayed or prevented if the mobile phone number on file isn’t active and/or connected to a cellular network at the time suspicious activity is detected.

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The offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.

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Calculating the $560 TD Student Banking Package Valuation

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◊The up to $560 value is based on the combined total value of:

\r\n\r\n $125 Cash Offer when you start by opening a new TD Student Chequing Account ∑ AND
\r\nComplete any two of the following with your new TD Student Chequing Account before August 31, 2026\r\n\r\n

1. Set up and receive a recurring direct deposit from your employer or the Government.
\r\n2. Send or receive one e-Transfer of at least $30∑, ∏
\r\n 3. Make an online purchase using your TD Access Card with Visa* Debit.
\r\n4. Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account

\r\n\r\nUp to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by June 29, 2026.Δ  Conditions apply.Δ ,^ Eligible for students only.\r\n□ Students who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades.\r\nΩ $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection) Effective August 7, 2025, there are no MODP fees for Quebec accounts.\r\nβ Get a $25 Uber Gift Card if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer by August 31, 2026∑; (b) Open an eligible Credit Card by June 29, 2026 and meet the qualifying conditions in accordance with the $25 Uber Gift Card Offer β by August 31, 2026. Keep both the new TD Student Chequing Account & Credit Card open and active for 5 months post account opening.\r\n\r\n"}}" id="A" class="cmp-text">

Calculating the $560 TD Student Banking Package Valuation

◊The up to $560 value is based on the combined total value of:

$125 Cash Offer when you start by opening a new TD Student Chequing Account ∑ AND
Complete any two of the following with your new TD Student Chequing Account before August 31, 2026

1. Set up and receive a recurring direct deposit from your employer or the Government.
2. Send or receive one e-Transfer of at least $30∑, ∏
3. Make an online purchase using your TD Access Card with Visa* Debit.
4. Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account

Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by June 29, 2026.Δ  Conditions apply.Δ,^ Eligible for students only. □ Students who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades. Ω $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection) Effective August 7, 2025, there are no MODP fees for Quebec accounts. β Get a $25 Uber Gift Card if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer by August 31, 2026∑; (b) Open an eligible Credit Card by June 29, 2026 and meet the qualifying conditions in accordance with the $25 Uber Gift Card Offer β by August 31, 2026. Keep both the new TD Student Chequing Account & Credit Card open and active for 5 months post account opening. TD Student Chequing Account Offer

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∑ 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.

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TD Student Chequing Account Offer

∏ 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:

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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.

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ii. Send or receive one e-Transfer of at least $30 by August 31, 2026;

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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.

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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;

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For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.

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The following are not eligible for the $125 Cash Offer:

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i. Customers who already have a TD Chequing account that was closed on or after November 6, 2024;or

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ii. Individuals who received any chequing account offer from TD from 2023 to 2025; or

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iii. TD staff members or a joint account with a TD staff member.

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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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∏ 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:

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.

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.

TD Cash Back Visa* Card Student Offer

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Δ Annual interest rates, fees and features are current as of November 5, 2025 unless otherwise indicated and subject to change.

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Limited Time Offer ("Offer"): This Offer starts on November 6, 2025 and ends June 29, 2026 (the "Offer Period") and is only available to those student Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by June 29, 2026:

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Earn $100 in Cash Back Dollars when you spend $1,000+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply..^, Δ

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You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $100 Cash Back Dollars to the TD Cash Back Visa* Card, you must make $1000 in Purchases on your account within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.

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Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.

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We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.

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This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card.

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See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

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Quebec Only

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Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

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(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.

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(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

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(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).

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(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.

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(v) Example of Interest Charges

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Examples of Interest Charges for a 30-Day Billing Cycle

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Annual Interest Rate

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Average Daily Balance

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$100

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$200

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$1,000

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Purchases

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21.99%

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$1.81

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$3.61

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$18.07

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Cash Advances

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21.99%

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$1.81

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$3.61

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$18.07

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Purchases - Default Rate

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26.99%

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$2.22

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$4.44

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$22.18

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Cash Advances - Default Rate

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27.99%

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$2.30

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$4.60

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$23.01

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^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.

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TD Cash Back Visa* Card Student Offer

Δ Annual interest rates, fees and features are current as of November 5, 2025 unless otherwise indicated and subject to change.

Earn $100 in Cash Back Dollars when you spend $1,000+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply..^, Δ

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

Quebec Only

Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.

(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

(v) Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle

Annual Interest Rate

Average Daily Balance

$100

$200

$1,000

Purchases

21.99%

$1.81

$3.61

$18.07

Cash Advances

21.99%

$1.81

$3.61

$18.07

Purchases - Default Rate

26.99%

$2.22

$4.44

$22.18

Cash Advances - Default Rate

27.99%

$2.30

$4.60

$23.01

TD Direct Investing Account Student Exclusive Offer

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□ Students who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades. The offer is open to Canadian residents who are at least the legal age in their province and are 25 or younger when they apply. It runs from November 6, 2025, to June 29, 2026. Please check the full terms and conditions for details.

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Eligibility: Open a new TD Direct Investing account by June 29, 2026, and maintain a TD Student Chequing account. This offer applies to individuals aged 25 years or younger at the time of application.

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Eligible "Account(s)" for the Direct Investing Student Offer:

\r\n\r\nCash (Single account holder)\r\nTax-Free Savings Account (TFSA) 1\r\nFirst Home Savings Account (FHSA)1 \r\nRegistered Retirement Savings Plan (RRSP)1\r\nMargin\r\nInternational Students are only eligible for a Cash Account (single)\r\n\r\n

Account(s) not eligible for the Offer:

\r\n\r\nAny non-personal accounts \r\nRegistered Education Savings Plan (RESP)2\r\nSelf-Directed Locked-In Retirement Accounts (LIRA)1\r\nSelf-Directed Locked-In Retirement Savings Plan (LRSP)3\r\nRetirement Income Fund (RIFs)1\r\nLife Income Fund (LIF)1\r\nRegistered Disability Savings Plan (RDSP)1\r\nTD Easy Trade™ is not eligible for this offer.\r\n\r\n

To be eligible for the Offer, a client must:

\r\n\r\nOpen a new TD Direct Investing Account.\r\nOpen a new or maintain an existing TD Student Chequing Account.\r\nInitiate funding within 30 days of opening.\r\nBe the age of majority in their province or territory at time of Account opening.\r\nBe a legal resident of Canada.\r\nMeet the requirements below.\r\n\r\n

How to Qualify for the Offer:

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1. Open a new TD Direct Investing Account by June 29, 2026.

\r\n\r\nThis offer may not be combined with any other TD Direct Investing promotions. No promo code is required (promo field must be left blank).\r\n\r\n

2. To qualify for the Cash reward, initiate a transfer of $1,000 or more in investable assets or cash from one or more financial institution(s) that are unassociated with TD Bank Group ("Qualifying Assets") to the new eligible Account(s) by July 31, 2026.

\r\n\r\nTransfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.\r\nTransfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.\r\nQualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a new Account. USD balances will be converted into CAD to determine eligibility.\r\nWhere a client opens multiple new Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the new Accounts.\r\n\r\n

3. To receive commission trade rebates, clients must make their first 10 eligible trades in a new Account within 12 months of opening. Rebates (up to $9.99 per trade) apply only to self-serve online full or partial share trades; phone trades with an Investment Representative are excluded. Up to 10 commission rebates cover Canadian and U.S. equity, ETF, and option trades with commission charges. For options, only the flat commission is rebated; per-contract fees still apply. Fixed income, mutual funds, trades outside U.S./Canada markets, and new issues do not qualify for this offer.

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4. A 50% rebate on subsequent commission trading fees will be applied following the completion of the first 10 commission trades or after 12 months from opening a TD Direct Investing Account, whichever occurs first. This discount is available only for self-serve full and partial share trades executed electronically. Eligibility for rebates ends when the client becomes 26 years of age.

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5. Maintenance fees charged to the Account will be rebated on a quarterly calendar basis during the first 12 months after the Account is opened.

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6. If the client turns 26 within the first year, rebate promotions stay active until the end of that 12-month period.

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7. To remain eligible for all discounts on the TD Direct Investing Account, clients must maintain a TD Student Chequing account in good standing and be 25 years of age or younger.

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Clients requiring assistance to register or otherwise apply for this Offer should ask for assistance at a TD Canada Trust branch or contact an Investment Representative at 1-800-465-5463.

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Additional Terms & Conditions:

\r\n\r\nTo receive the reward, a client must keep the Account in good standing until the offer payout date. Good standing requires Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.\r\nTD Direct Investing Account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust). The option to link may be changed anytime by contacting TD Direct Investing.\r\nEmployees of TD Bank Group are not eligible for this offer.\r\nThis offer is not transferable.\r\nThe offer, rebates and discounts may be changed, extended, or withdrawn at any time without notice.\r\nThis offer cannot be used in conjunction with any other TD Direct Investing offer.\r\nAssets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the reward. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.\r\nTD Direct Investing reserves the right to refuse the provision of any rewards and benefits under this Offer if it determines you have violated the terms as set out above.\r\nInvestable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.\r\nWhere a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.\r\nQualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.\r\nThere may be tax implications associated with the cash reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash reward is paid directly to the plan and is not considered a contribution.\r\nInterest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the reward.\r\nCommission fees will be rebated to the new Accounts which were charged the commission on a first in first out basis from the date the Account is opened.\r\nTerms of Offer Payment:\r\nThe cash reward will be paid in CAD to the eligible client’s Account by August 15, 2026. If Qualifying Assets are transferred to one Account, the full reward goes there; if transferred to multiple Accounts, the reward is divided proportionally based on the value transferred into each.\r\n\r\n\r\nTerms of trading fee rebates:\r\nUp to 10 full or partial share trade commissions will be rebated (up to $9.99) and subsequent trades will be rebated at a discount of 50%. Only self-serve trades completed electronically are eligible. Please review our Fees & Pricing information available on our website.\r\nTD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the following two business days.\r\n\r\n\r\nTerms of Maintenance Fee rebates:\r\nShould a quarterly maintenance fee be applied to the Account, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening.\r\n\r\n\r\n\r\n"}}" id="E" class="cmp-text">

TD Direct Investing Account Student Exclusive Offer

Eligible "Account(s)" for the Direct Investing Student Offer:

Cash (Single account holder) Tax-Free Savings Account (TFSA) 1 First Home Savings Account (FHSA)1 Registered Retirement Savings Plan (RRSP)1 Margin International Students are only eligible for a Cash Account (single)

Account(s) not eligible for the Offer:

Any non-personal accounts Registered Education Savings Plan (RESP)2 Self-Directed Locked-In Retirement Accounts (LIRA)1 Self-Directed Locked-In Retirement Savings Plan (LRSP)3 Retirement Income Fund (RIFs)1 Life Income Fund (LIF)1 Registered Disability Savings Plan (RDSP)1 TD Easy Trade™ is not eligible for this offer.

To be eligible for the Offer, a client must:

Open a new TD Direct Investing Account. Open a new or maintain an existing TD Student Chequing Account. Initiate funding within 30 days of opening. Be the age of majority in their province or territory at time of Account opening. Be a legal resident of Canada. Meet the requirements below.

How to Qualify for the Offer:

1. Open a new TD Direct Investing Account by June 29, 2026.

This offer may not be combined with any other TD Direct Investing promotions. No promo code is required (promo field must be left blank).

Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets. Transfers of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a new Account. USD balances will be converted into CAD to determine eligibility. Where a client opens multiple new Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the new Accounts.

5. Maintenance fees charged to the Account will be rebated on a quarterly calendar basis during the first 12 months after the Account is opened.

6. If the client turns 26 within the first year, rebate promotions stay active until the end of that 12-month period.

7. To remain eligible for all discounts on the TD Direct Investing Account, clients must maintain a TD Student Chequing account in good standing and be 25 years of age or younger.

Clients requiring assistance to register or otherwise apply for this Offer should ask for assistance at a TD Canada Trust branch or contact an Investment Representative at 1-800-465-5463.

Additional Terms & Conditions:

To receive the reward, a client must keep the Account in good standing until the offer payout date. Good standing requires Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable. TD Direct Investing Account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust). The option to link may be changed anytime by contacting TD Direct Investing. Employees of TD Bank Group are not eligible for this offer. This offer is not transferable. The offer, rebates and discounts may be changed, extended, or withdrawn at any time without notice. This offer cannot be used in conjunction with any other TD Direct Investing offer. Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the reward. This includes assets that are transferred out and subsequently transferred back in within the past 12 months. TD Direct Investing reserves the right to refuse the provision of any rewards and benefits under this Offer if it determines you have violated the terms as set out above. Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing. Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility. There may be tax implications associated with the cash reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash reward is paid directly to the plan and is not considered a contribution. Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the reward. Commission fees will be rebated to the new Accounts which were charged the commission on a first in first out basis from the date the Account is opened. Terms of Offer Payment: The cash reward will be paid in CAD to the eligible client’s Account by August 15, 2026. If Qualifying Assets are transferred to one Account, the full reward goes there; if transferred to multiple Accounts, the reward is divided proportionally based on the value transferred into each. Terms of trading fee rebates: Up to 10 full or partial share trade commissions will be rebated (up to $9.99) and subsequent trades will be rebated at a discount of 50%. Only self-serve trades completed electronically are eligible. Please review our Fees & Pricing information available on our website. TD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the following two business days. Terms of Maintenance Fee rebates: Should a quarterly maintenance fee be applied to the Account, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening. Monthly Overdraft Protection Service Saving on the TD Student Chequing Account

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Ω Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a New Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)

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For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services. Effective August 7, 2025, there are no MODP fees for Quebec accounts.

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Monthly Overdraft Protection Service Saving on the TD Student Chequing Account

Ω Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a New Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)

Uber Gift Card Offer

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β Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Uber Gift Card offer.

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The Uber gift card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Account opening and provided all conditions have been met. The Uber Gift Card is subject to the restrictions set out in the terms and conditions available at uber.com/legal/gift-cards/en-ca and may be subject to change from time to time. TD is not responsible if a gift card is not honored for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Uber Gift Cards awarded by any one person.

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Your TD account must be open, active and in good standing at the time the Uber Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Uber Gift Card.

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To earn the limited-time Uber Gift Card offer, you must complete both conditions below:

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1) Open a New Account between November 6, 2025, and June 29, 2026 and complete any two of the following with the New Account before August 31, 2026:

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(i) Set up 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;

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(ii) Send or receive one e-Transfer of at least $30 by August 31, 2026;

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(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;

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(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 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; or

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2) Apply for a new TD Cash Back Visa* Card, (a "new TD Credit Card") by June 29, 2026 and be approved and activate it by August 31, 2026. Your new TD Credit Card must be open, active and in Good Standing at the time the Uber Gift Card is issued.

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Accept the offer by the date presented in the email, confirming qualification to receive the Uber Gift Card.

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Customers who are a Primary Cardholder of a Personal TD Credit Card as of November 6, 2025, will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the last 6 months.

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Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated.

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By using this gift card, you accept the following terms and conditions: This card is redeemable via the Uber® and Uber Eats app within Canada. The card is non-reloadable and, except where required by law, cannot be redeemed for cash, refunded, or returned. You may be required to add a secondary payment method to use this gift card with the Uber or Uber Eats app. The card is not redeemable outside Canada. Issuer is not responsible for lost or stolen cards, or unauthorized use. This card is issued by Uber B.V. For balance, full terms and conditions and customer service, visit uber.com/legal/gift-cards/en-ca.

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