Have payments from Canada Revenue Agency (CRA) deposited directly into your account securely and reliably. This includes the new Canada Recovery Benefits. Learn more.

Manage My Bank Account

Looking for a Personal Account? View All TD Personal Accounts.

Easily manage your money

What is overdraft protection?

Overdraft protection helps cover occasional shortfalls in your chequing account, up to your approved overdraft limit even if you have insufficient funds in the account. It helps you manage your finances by allowing you to complete a transaction.

Do I need overdraft protection?

There are several benefits to having overdraft protection:
Helps cover unexpected cash shortfalls by providing automatic protection against declined transactions.
Prevents Non-Sufficient Funds (NSF) charges from occurring.

Ready to manage the unexpected?

  • Monthly Plan Overdraft Protection

    $5 per month1
    Pay one monthly fee regardless of how often you use overdraft (plus 21% interest per year on overdrawn amount).
    Monthly Plan Overdraft Protection Fee may vary for different TD Chequing Accounts

  • Pay As You Go Overdraft Protection

    (Not available on Quebec accounts)

    $5 per use
    Only pay when you use overdraft. The most you’ll pay in one day is $5 (plus 21% interest per year on overdrawn amount)

Overdraft protection interest rates

Overdraft protection is subject to approval and approved limits, interest rates and repayment conditions.

  1. First, you need to be approved for overdraft protection. Apply now – it only takes a few minutes

  2. Overdrafts are subject to an interest rate of 21% per annum

  3. Deposits are immediately and automatically applied against the overdrawn balance

  4. Overdrawn balances must be paid within 89 days

  5. Overdraft interest rates are subject to change

A convenient way to pay your bills

  • Pay your bills on time, every time with Pre-Authorized Debit (PAD).
  • It’s easy to set up a PAD with most major billing companies, and payments are automatically deducted from your
    TD account.

Here’s how to set up a PAD in two easy steps

Step 1

Call your billing company or visit their website to find out their process for setting up a PAD.

To make it easy for you, we’ve provided a list of the most common billing companies and an outline of their processes.


Here’s how

Download an online form and mail in with a void cheque 1-800-869-3016.

Create an online account. 1-800-773-2121

Download an online form and mail in with a void cheque or bring the form and a void cheque to a BMO branch.

Set up over the phone or in branch. 1-800-465-4653

Create an online account. 1-877-362-7434

Download an online form and mail in with a void cheque. 1-888-876-6262

Create an online account. 1-888-ROGERS1

Set up over the phone. 1-866-322-5854

Set up over the phone or download an online form and mail in with a void cheque. 1-800-983-8472

Create an online account. 1-888-811-2323

Step 2

Provide the billing company with your chequing account information using:

  1. Your TD Access Card: If you have an enhanced TD Access Card and your billing company accepts Visa Debit, Pre-Authorized Debit or recurring purchases, provide them with your TD Access Card number.
  2. Your TD Canada Trust chequing account information: Companies may need your Branch Transit Number, Institution Number and Account number.

Our EasyWeb Online banking tool makes it faster and easier to get your Account information

Get fast access to your money

Setting up direct deposit is convenient, reliable and secure. Your payments will always be on time, so you'll have immediate access to your money when you need it. Your direct deposit is always protected by our Privacy Policy and Internet Security.

Save time and stay organized

Online Statements are convenient and flexible: Sign up for email notifications to let you know when your online statements are ready for viewing.

  • Email notifications let you know that your online statements are ready for viewing
  • Free 24/7 online access1 to your account
  • Access up to seven years of account history, starting from the time you register
  • To switch, make sure you’re registered or log in to EasyWeb Online banking

Where can I switch?

On EasyWeb

  • Select Statements and Documents from the left menu, and then Delivery Preferences
  • You can change your eligible accounts to Online, as well as sign up for email notifications

Want to see how it works? View tutorial

On the TD app

  • Select My Accounts
  • Select Settings from the left menu, and then Statements & Documents
  • You can change your eligible accounts to Online, as well as sign up for push or email notifications

Online Statements are available with1:

  1. TD Credit Cards

  2. TD Personal Line of Credit

  3. TD Term Deposit

  4. TD Home Equity Line of Credit

  5. TD Retirement Savings Plan

  6. TD Registered Education Savings Plan

  1. TD Mortgage

  2. TD Personal Chequing Account

  3. TD Personal Savings Account

  4. TD Personal U.S. Dollar Account

  5. TD Small Business Banking Account

  6. TD GIC

Disputing a transaction on your TD Access Card

If you have a transaction that you’d like to dispute, you’ll find the information you need here.

What to consider before starting your dispute

If you're are looking to dispute a transaction on your TD Access Card make sure:

  1. The transaction is related to a purchase you made with your access card:
    To submit a dispute, it must be for a purchase made with your access card. If you find a transaction on your statement that's from a merchant you haven't transacted with, then the charge could be fraudulent. If you suspect the transaction is fraudulent, please contact TD Loss Prevention (TD Access Cards or ATM transactions: 1-866-222-3456) immediately.

  2. You attempt to resolve with the merchant prior to initiating a dispute:
    Once you speak to the merchant, your issue can often be resolved, and your money refunded.

  3. You submit a transaction dispute request within 30 days of the date you have received notice of the transaction as per your account agreement.

Communications regarding your request will be sent to the email you provide in your request using regular email. You can expect a confirmation email once you have submitted your request.

Note that an EasyWeb login is required. If you are not currently registered for EasyWeb, register online today.

Business customers must have their personal and business access cards linked and log in to EasyWeb using their personal access card in order to complete this form.

More convenient banking options

  • TD Access Card

    Enjoy the convenience of paying with the TD Access Card.

  • TD app

    Available for iPhone, iPod Touch, Android and BlackBerry devices.

  • Ways to Save

    Save automatically with our Pre-authorized Transfer Service and Pre-authorized Purchase Plan.

  • EasyWeb Online banking

    Do your banking from the comfort and convenience of your home or office.


1$5 monthly fee for TD Chequing Accounts: TD Minimum Chequing Account, TD Every Day Chequing Account, TD Unlimited Chequing Account and TD All-Inclusive Banking Plan.

$4 monthly fee for Monthly Plan Overdraft Protection (MODP) service on P60 & Preferred Chequing Account.

There are no MODP fees on the TD Student Chequing Account, TD U.S. Daily Interest Chequing Account, TD Borderless Plan and TD Minimum Chequing Account with a Seniors or Registered Disability Savings Plan chequing account fee rebate.

Have a question? Find answers here