§ TD New to Bank Offer (Terms and Conditions)
Calculating up to $750 in value
§Up to $750 in value is calculated as follows: Offer 1) $500 cash + Offer 2) $150 cash + Offer 3) an estimated value of $100.00 in bonus interest. The estimated interest amount 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 balance size and account activity.
Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by March 3, 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 Growth
TM Savings Account, or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026 AND applies and is approved for a new TD Credit Card by April 3, 2026, 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 by March 3, 2026, 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 November 6, 2025 and March 3, 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 May 5, 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 November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, 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 2023, 2024, 2025; 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 above, 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 ("New Chequing Account") between November 6, 2025, and March 3, 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 (each a "New Savings Account") by March 3, 2026;
- Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of opening the New Savings Account:
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 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 (a "New TD Credit Card") by April 3, 2026.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 November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, 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 November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any Savings Account offer from TD in 2023, 2024, 2025; 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 November 5, 2025.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
10) Customers who are enrolled in the New to Canada Banking Package.
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 ("New Chequing Account") between November 6, 2025 and March 3, 2026, and
- Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026;
- 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”).
- 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 November 5, 2025;
2) Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, 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 November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; 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 for a period of 90 days, 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.
- 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.
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.
∏ Open a new TD Student Chequing Account between November 6, 2025 and May 4, 2026 (the “New Account”) and complete any two of the following with the New Account before July 31, 2026:
i) Set up a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by July 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) Set up Auto deposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by July 31, 2026;
iii) Make an online purchase using your TD Access Card with Visa*Debit by July 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 July 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.
