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Overdraft Protection
Pre-Authorized Debit Payments
Direct Deposit
Online
Statements
Transaction Disputes

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

Apply now

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)

Apply now

Overdraft protection interest rates

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

First, you need to be approved for overdraft protection. Apply now – it only takes a few minutes
Overdrafts are subject to an interest rate of 21% per annum
Deposits are immediately and automatically applied against the overdrawn balance
Overdrawn balances must be paid within 89 days
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.

Common Billing Companies

Company	Here’s how
American Express	Download an online form and mail in with a void cheque 1-800-869-3016.
Bell	Create an online account. 1-800-773-2121
BMO (MasterCard)	Download an online form and mail in with a void cheque or bring the form and a void cheque to a BMO branch. 1-800-263-2263
CIBC (Visa)	Set up over the phone or in branch. 1-800-465-4653
Enbridge	Create an online account. 1-877-362-7434
MBNA (MasterCard)	Download an online form and mail in with a void cheque. 1-888-876-6262
Rogers	Create an online account. 1-888-ROGERS1
TD Insurance	Set up over the phone. 1-866-322-5854
TD (Visa)	Set up over the phone or download an online form and mail in with a void cheque. 1-800-983-8472
Telus	Create an online account. 1-888-811-2323

Step 2

Provide the billing company with your chequing account information using:

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.
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

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

Accounts eligible for Online Statements

Legal

More convenient banking options

TD Access Card

Enjoy the convenience of paying with the
TD Access Card.

About TD Access Card

TD app

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

Download the TD app^*

Ways to Save

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

Start saving

EasyWeb Online banking

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

Legal

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 Student, Seniors or Registered Disability Savings Plan chequing account fee rebate.

Manage My Bank Account

Easily manage your money

Overdraft Protection

Pre-Authorized Debit Payments

Direct Deposit

Online
Statements

Transaction Disputes

What is overdraft protection?

Do I need overdraft protection?

Ready to manage the unexpected?

Monthly Plan Overdraft Protection

Pay As You Go Overdraft Protection
(Not available on Quebec accounts)

Overdraft protection interest rates

A convenient way to pay your bills

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

Step 1

Common Billing Companies

Step 2

Get fast access to your money

Save time and stay organized

Where can I switch?

Accounts eligible for Online Statements

Online Statements are available with¹:

Disputing a transaction on your TD Access Card

What to consider before starting your dispute

More convenient banking options

TD Access Card

TD app

Ways to Save

EasyWeb Online banking

EasyWeb

Other Accounts

Manage My Bank Account

Easily manage your money

Overdraft Protection

Pre-Authorized Debit Payments

Direct Deposit

Online Statements

Transaction Disputes

What is overdraft protection?

Do I need overdraft protection?

Ready to manage the unexpected?

Monthly Plan Overdraft Protection

Pay As You Go Overdraft Protection (Not available on Quebec accounts)

Overdraft protection interest rates

A convenient way to pay your bills

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

Step 1

Common Billing Companies

Step 2

Get fast access to your money

Save time and stay organized

Where can I switch?

Accounts eligible for Online Statements

Disputing a transaction on your TD Access Card

What to consider before starting your dispute

More convenient banking options

TD Access Card

TD app

Ways to Save

EasyWeb Online banking

Site Index

Online
Statements

Pay As You Go Overdraft Protection
(Not available on Quebec accounts)