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Easily manage your money
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Overdraft Protection
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Pre-Authorized Debit Payments
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Direct Deposit
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Online Statements
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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?
Overdraft protection interest rates
Overdraft protection is subject to approval and approved limits, interest rates and repayment conditions.
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First, you need to be approved for overdraft protection. Apply now – it only takes a few minutes
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Overdrafts are subject to an interest rate of 21% per annum
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Deposits are immediately and automatically applied against the overdrawn balance
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Overdrawn balances must be paid within 89 days
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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.
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Company |
Here’s how |
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Download an online form and mail in with a void cheque 1-800-869-3016. |
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Create an online account. 1-800-773-2121 |
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Download an online form and mail in with a void cheque or bring the form and a void cheque to a BMO branch. |
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Set up over the phone or in branch. 1-800-465-4653 |
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Create an online account. 1-877-362-7434 |
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Download an online form and mail in with a void cheque. 1-888-876-6262 |
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Create an online account. 1-888-ROGERS1 |
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Set up over the phone. 1-866-322-5854 |
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Set up over the phone or download an online form and mail in with a void cheque. 1-800-983-8472 |
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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
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 register2
- To switch, make sure you’re registered or log in to EasyWeb Online banking
Where can I switch?
On EasyWeb
- Login to EasyWeb Online banking If you do not have an EasyWeb Online banking login, please Register now.
- Select the Settings & Services menu (👤) in the top right of the screen.
- Select Statements & Documents.
- Go to the Manage tab, and then click on Edit your delivery preferences.
- To switch all accounts to online delivery, select the Switch ALL to online checkbox.
- Select the Save Changes button to save your delivery preferences.
- Accept the Consent to Electronic Delivery of Documents agreement.
Want to see how it works? View tutorial
On the TD app
- Log in and tap the More icon (☰) in the bottom right corner. Select Settings, and then Statements & Documents.
- To switch all accounts to online delivery, select Switch Now under Online Statements and Other Documents.
- Select the Save button to save your delivery preferences.
- Accept the Consent to Electronic Delivery of Documents agreement.
If you haven't already downloaded the TD app:
Online Statements are available with1:
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TD Credit Cards
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TD Personal Line of Credit
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TD Term Deposit
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TD Home Equity Line of Credit
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TD Retirement Savings Plan
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TD Registered Education Savings Plan
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TD Mortgage
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TD Personal Chequing Account
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TD Personal Savings Account
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TD Personal U.S. Dollar Account
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TD Small Business Banking Account
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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:
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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. -
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. -
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
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 Seniors or Registered Disability Savings Plan chequing account fee rebate.