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Welcome to TD Business Central™

Thank you for joining us on our journey!

Welcome to TD Business CentralTM (TDBC), our new digital banking platform offering Business Banking clients a secure, convenient, and connected banking solution. We are on a transformational journey to modernize our clients' digital banking experience, offering a breadth of currently available capabilities with more to come as we continue to evolve and introduce new services and features on TDBC.

We invite you to explore the new and exciting capabilities offered within TDBC and join us as we continue to deliver banking solutions designed to achieve your business goals.

TD Business CentralTM (TDBC) Benefits

TDBC has been created with your needs in mind. We invite you to explore the capabilities currently offered within this digital banking platform to experience how TDBC can help you achieve your business banking goals:

  • Home page that displays quick access to accounts, money movement actions, and audit log history.
  • Self-serve user registration and login credential recovery.
  • Create and manage customized user permissions.
  • Easy-to-navigate overview of your account activity for each service.

TDBC Current Features

Administration

TDBC offers enhanced control of your digital banking experience.

  • System Administrators (SAs) are assigned (up to 10) and can self-serve their day-to-day accountabilities in real time.  This includes managing Administrators (ADM), regular Users and assigning custom entitlements with greater control.
  • Administrators can be setup with either Assign or Assign and Operate permissions, so they too can manage additional regular Users (e.g., add, edit, suspend and delete) and assign entitlements as required.
  • Dual administration, our recommended option, provides enhanced security to allow any administrative change to receive approval from a second SA or ADM. This minimizes the risk of unauthorized or mistaken changes.

Account Activity Service

Offers many capabilities such as; tab views for your Business Deposit and Foreign Currency Accounts, Business Credit Cards and eligible Term and Operating Loans, dashboard views, clickable transactions, reporting and performing stop payments.

  • Balance and transaction information is available for up to 18 months for Business Deposit Accounts and Term and Operating Loans, and up to 6 months for Foreign Currency Accounts and Business Credit Cards.
  • Ability to generate and manage reports across multiple entities and accounts with scheduling to assist reconciliation.

Account Transfer Service

Funds transfers between authorized TD Canadian and/or U.S. Dollar Business Deposit Accounts:

  • Customizable credit/debit descriptions and transfer templates simplify transfer creation and reconciliation, encouraging consistency with repeat transfers.
  • Optional limits and approval requirements tailored to suit your needs ensure that optimal functionality is provided while protecting you against theft and fraud.
  • Third-party (external) transfer capabilities and "Credit Only" accounts allow you to move funds efficiently and securely.
  • Enhanced foreign exchange experience offers integrated cross-currency TD bulletin rates (with live refresh every 20-seconds) and increased CAD-USD transfer thresholds.
  • Transfer funds to your U.S. domiciled American Business Banking account at TD Bank N.A.

 

Bill Payment Service

Manage business expenses with the TDBC Bill Payment Service:

  • Make bill payments to thousands of available payees.
  • Added security and control by allowing you to choose one or two approvers to process bill payments and payees.
  • Process multiple bill payments on a single request, recurring or post-dated for up to 1 year.
  • View pending and historical bill payments, with the ability to self-serve and cancel the same day, postdated, or recurring payments online.

Electronic Funds Transfer Service

Conveniently and securely create payments to (credit) or from (debit) accounts at any Canadian financial institution and credit union. Variety of options to process EFT credit/debit payments:

  • Onscreen dashboard views with filtering capability of up to 18 months of historical data.
  • User entitlements at the service level to ensure user roles and internal controls can be easily reflected. 
  • Supports flexible payment options such as; One-Time Payments, Import File (80-byte and 1464-byte file layouts) and Templates.
  • Self-guided error messages help to resolve validation and processing errors quickly by providing instant troubleshooting feedback.

Interac e-Transfer® for Business

Send payments via account number routing in near real-time, an easier, faster, and more flexible payment solution.

  • Send up to $25,000 CAD per transaction, directly to eligible bank accounts within Canadian financial institutions, providing you with on- screen confirmation.
  • Add optional information and remittance details, making reconciliation easier with less manual investigation.

Statements

View and download statements for Commercial Deposit Accounts (CDA) and TD Business Credit Cards.

  • Offering convenient online access to CAD and USD deposit accounts and TD Business Credit Card statements
  • Existing clients with eStatements on Web Business Banking (WBB) can access their historical statements on TDBC.
  • You can use the filter function to easily locate a previous Statement.
  • TD Business Credit Cards historical data will be migrated up to seven years, or the date the card was opened, whichever comes first.
  • TD Business Credit Card Statement access on TD Business Central is a supplemental service in addition to your current delivery method.

Single Sign-On

When registered with Single Sign-On, you won't need to re-enter your login credentials each time you navigate between WBB and TDBC. You can select which of your multiple WBB Connect IDs to navigate to, enjoying seamless access between both banking platforms.

Wire Payment Tracker Service

View your outgoing wire payment's journey:

  • Wire payments initiated in WBB are tracked in near real-time through the Swift GPI – network
  • Track your wire payment from initiation at TD to the date and time it is credited to the beneficiary
  • View foreign exchange and fees deducted by non-TD financial institutions

Access your online business banking securely with TD Authenticate™

TDBC and the TD AuthenticateTM app allow you to bank securely, using a digital token.

You will be asked to enter a one-time verification code confirming your identity at every login. These verification codes can be accessed via phone or TD AuthenticateTM, which will generate a code without the need for Wi-Fi or cellular reception. View the FAQ section below for more information.

Frequently Asked Questions

You will receive an email from us that will include a self-registration link and steps required to gain access.

System Administrators and/or Administrators can set up all required users in your company.

If you are the System Administrator named on the Registration Form, look for the email. You can always reach out to your TD Business Banking Relationship Team with any questions.

TD Business Central will progressively add new features, but for now there are still features you'll need to access through TD's Web Business Banking (WBB).

Single sign-on capabilities have been introduced for more streamlined access and we'll continue to enable new features as they become available. We're working towards offering all the features and benefits you expect from WBB, plus more on TDBC!

You will be prompted to enter a verification code, along with your Username and Password, at every TDBC login. This Two-Step Verification process provides further protection against theft and fraud and supports the evolution of our TDBC capabilities. As you will be asked to input a unique code provided to you at a phone number connected to your Profile, we recommend adding additional phone numbers to your profile through your Security Settings or by installing TD Authenticate (see below).

Note: This enhanced verification cannot be overridden by the user-selected 'Security Code Login Option' in your Security Settings.

Ensure you can receive security verification codes from alternate numbers by updating your Preferences in TD Business Central. Users can include up to five contact numbers:

  1. Within TDBC, click on your name in the top right corner of your screen and select Password & Security under the Profile & Settings heading.
  2. Review your Phone Number List in your Security Settings. Click on the pencil icon to add additional numbers for use with TDBC.
  3. Contact CMS Support line below for further questions if you feel more support is needed.

Follow the steps below to install the app and register your TDBC credentials.

Install:

  1. Download the TD Authenticate app from the App Store or Google Play Store
    Download on the App Store       Download Android app on Google Play
  2. Open the app; "How it Works" will launch the Tutorial

Register:

  1. Open the TD Authenticate app, and click "Get Started"
  2. Login with your TDBC Credentials
  3. Generate a one-time security verification code via Call or Text
  4. Enable biometrics (optional)
  5. Create a 4-digit PIN
  6. Read and Accept the Terms & Conditions

When logging into TDBC:

  1. Select "Use TD Authenticate app"
  2. Open the TD Authenticate app on your registered device and select "Generate Verification Code"
  3. Enter your PIN (or use biometrics)
  4. Enter the displayed security verification code into your TDBC login

Fraud and scams continue to become more sophisticated, and it’s important to remain vigilant.

As a reminder, TD will never:

  • Ask you to download a remote access tool or application in order to troubleshoot an issue or view your device screen.
  • Request that you provide confidential personal or business information such as online banking credentials - including one-time passcodes and passwords on an unsolicited phone call, email or text message.
  • If a call feels suspicious, hang up and contact CMS Support at 1-800-668-7328 or your TD Business Banking Relationship Team.

Protecting Your Business

Learn how to protect yourself and your business from fraud by implementing best practices:

  • Enable "Dual Administrator" on TD Business Central to ensure all administrative changes (e.g., add user, edit permissions, manage company preferences etc.) involve two users with administrative permissions.
  • Implement "Dual Authorization" for money movement transactions and set appropriate authorization limits to help minimize risk and ensure that more than one individual is responsible for payment detail review/approval.
  • Always enter the address (URL) of any banking website and then bookmark for future use, rather than searching online, where you may risk being misdirected. Please also do not search for phone number(s) online.
  • Practice skepticism. Never click on links or open attachments in text and social media messages from unknown senders or in unsolicited emails. Always verify the authenticity of any request for personal information.
  • Regularly check your transaction history, account statements and TD Business Central/Web Business Banking audit logs to quickly spot any unusual or unauthorized activity.
  • When receiving updated account information from vendors seeking payment, be sure to confirm details using a known phone number from previous correspondence.
  • Maintain the latest software and browser updates. Install antivirus protection and implement security patches in your software. Periodically engage an external consultant/provider to review your network and web applications for security vulnerabilities that an attacker could exploit. If you experience or identify fraudulent activities, please report it to the CMS Support Desk or your Business Banking Relationship Team immediately.

For more tips to help protect your business against fraud, please visit here.

Get in touch

Existing client requiring TD Business Central support, contact:

1-800-668-7328

For information on accessing TDBC, talk to your Cash Management Team.