Chequing and Savings Offer | TD Canada Trust

New to TD Bank Spring Chequing Program (Terms and Conditions)

Calculating up to $400 in cash + up to 5.55%

Savings Interest Rate

^§ Up to $400 + up to 5.55% Savings Interest is calculated as follows: Offer 1) $350 cash + Offer 2) 3.70% Bonus Savings Interest Rate + Posted Rate of 1.85% (Current interest rate as of July 2023, unless otherwise indicated and subject to change) + Offer 3) $50 cash.

Offer 1) Earn $350 in cash upon opening a new TD Unlimited Chequing Account or TD All-Inclusive Banking Plan between March 1, 2024, and June 3, 2024, by completing the qualifying criteria in accordance with Offer 1 below.

Offer 2) Earn 3.70% Bonus Savings Interest in Cash when a New Chequing Account customer (Defined as the new to TD Bank Chequing Customer in Offer 1) opens a new TD ePremium Savings Account by June 3, 2024, and meets the qualifying criteria as set out in accordance with Offer 2 below. Earn posted rate of 1.85% (Current interest rate as of July 2023, unless otherwise indicated and subject to change) to balances of $10,000 or greater on the TD ePremium Savings Account. The Bonus Savings Interest will be calculated separately and will be credited to the TD ePremium Savings Account monthly for a period of 90 days (3 months).

Offer 3) Earn $50 in cash when a New Chequing Account customer applies, is approved for, and adds Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by June 3, 2024 and meets the qualifying criteria in accordance with Offer 3 below.

Offer 1: Chequing Account $350 Cash Terms and Conditions

^†The $350 cash offer is available to Canadian residents that do not have an existing TD Chequing Account, that are the age of majority at time of account opening in their province or territory who:

(a) Open a TD Unlimited Chequing Account or TD All-Inclusive Banking Plan between March 1, 2024, and June 3, 2024.

(b) Complete any two of the following with the New Chequing Account:

1. Set up a recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before July 31, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.

2. Make an Online Bill Payment through TD EasyWeb or the TD app, minimum $50 before July 31, 2024.

3. Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the New Chequing Account before July 31, 2024. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debit

Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.

The following are not eligible for the $350 cash offer:

1. Customers who already have a TD Chequing Account that was closed on or after March 1, 2023; or

2. Customers who received any Chequing Account offers from TD in 2021, 2022, 2023; or

3. TD staff members or any TD customers who have a joint account with a TD staff member.

For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $350 cash offer per New Chequing Account. Limit of one $350 cash offer per customer.

The $350 will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. 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, and the type of account cannot have changed, before the $350 is deposited into the New Chequing Account.

We can change, extend, or withdraw the $350 cash 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. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.

Offer 2: TD ePremium Bonus Savings Interest Offer - Earn up to 5.55% Savings Interest Rate Terms and Conditions

^◊ The Bonus Savings Offer is available to Canadian residents that are the age of majority at the time of the New Savings Account opening in their province or territory.

To earn 3.70% Bonus Savings Interest + Posted Rate of 1.85%, a New eligible TD Chequing Account customer must:

a) Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between March 1, 2024, and June 3, 2024.

b) Open a new TD ePremium Savings Account (the New Savings Account) by June 3, 2024, and

c) Starting on the fifteenth business day after the date the New Savings Account is opened, the account will earn an interest of 3.70% per annum (Bonus Savings Interest) on any balances up to $1,000,000.00 for 90 days plus earn the current posted interest on a balance of $10,000 or greater. The Bonus Savings Interest Rate is an annualized rate, and the interest is calculated daily and paid monthly. If the New Savings Account is opened on a statutory holiday or Sunday, the Bonus Rate Period will begin 15 days after the first business day the New Savings Account is opened. The posted interest rate will ONLY apply to all balances of $10,000 or greater on the TD ePremium Savings Account and is subject to change without notice. The posted interest is calculated based on the daily closing balance of the New Savings Account and is paid monthly. Please find the current TD ePremium Savings Account Interest Rates here. Only regular posted interest rates will apply after the end of the Offer Period, which is 90 days. The Bonus Savings Interest will be calculated separately and will be credited to the New Savings Account monthly for a period of 90 days (3 months).

The following are not eligible to earn the offer:

1. Customers who already had a TD Chequing Account that was closed on or after March 1, 2024

2. Customers who already have a TD ePremium Savings Account as of March 1, 2024,

3. Customers who had a TD ePremium Savings Account that was closed on or after March 1, 2023,

4. Customers who received any TD ePremium Savings Account offer from TD in 2021, 2022, 2023; or

5. TD staff members or any TD customers who have a joint account with a TD staff member.

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. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the offer at any time.

Offer 3: Overdraft Protection Service $50 Cash Terms and Conditions

^∞The $50 cash offer for Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (ODP) is available to Canadian residents that are the age of majority in their province or territory at the time of the approval of the ODP. To earn the $50 cash offer, a New Chequing Account customer must:

(a) Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between March 1, 2024, and June 3, 2024, in accordance to Offer 1, and

(b) Apply, be approved for, and add ODP (Pay As You Go Overdraft Protection is not available for Quebec residents) to the New Chequing Account by June 3, 2024.

(c) Keep the new ODP, active and in good standing for 30 days after approval

The offer is not available to:

1. Customers who already have a TD Chequing Account with ODP in place on March 1, 2024, or

2. TD staff members or any TD customers who have a joint account with a TD staff member.

The $50 will be deposited to the New Chequing Account within 12 weeks after all conditions have been met, provided that the Overdraft Protection is still open, in good standing, with all conditions continuing to be met. Limit of one $50 cash offer per customer per New Chequing Account with ODP. For any New Chequing Account that is a joint account, all account holders on the New Chequing Account must meet the ODP eligibility requirements. Each account holder must be age of majority in their province of residence to apply for ODP and is subject to credit approval.

Monthly Plan Overdraft Protection service fee is $5.00 a month on TD Unlimited Chequing Account and TD All-Inclusive Banking Plan. Pay As You Go Overdraft Protection service fee is $5.00 for each eligible overdraft transaction (maximum of $5.00 a day regardless of number of overdraft transactions). The amount in overdraft is subject to an interest rate of 21% per annum. ODP fees and interest rate are current as of May 24, 2022, unless otherwise indicated and subject to change. For more information and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the $50 cash offer at any time.

¹ You pay no monthly fee if you have the minimum monthly balance indicated or more in your account at the end of each day in the month.

² For more information about transactions and a complete list of account fees, click here for Account and Other Related Service Fees. For information on our general services, please view our General List of Services.

³ Subject to credit approval. First-year Annual fee discount applies only to the Primary Cardholder for your choice of a new (to you) TD Credit Card from one of the following – 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, provided you maintain a TD Unlimited Chequing Account in good standing for the first year. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

⁴ Subject to credit approval. Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - 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, and for one Authorized User Card for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

⁵ You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.

⁶ The TD app and the TD MySpend app are free to download, however standard wireless carrier message and data rates may apply.

⁷ You are responsible for ensuring the mobile phone number we have on file is accurate and notifying us of any changes. We will send the TD Fraud Alert text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, multiple third party involvement. TD Fraud Alert text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD customer profile.

⁸ Cheques must be drawn on a Canadian financial institution. Cheques payable in Canadian currency must be deposited to an eligible Canadian dollar account and cheques payable in U.S. currency must be deposited to an eligible U.S. dollar account.

⁹ Link with Starbucks Rewards Offer & Privacy Terms

Link with Starbucks Rewards Offer:

The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card with Visa Debit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa Debit: for more information about transactions and a complete list of account fees, Account and Other Related Service Fees (PDF). For information on our general services, please view our General List of Services (PDF).
The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at www.starbucks.ca/terms (“Starbucks Rewards Terms of Use”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, "Starbucks"), and allows customers to earn stars (“Stars”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “Reward” and collectively “Rewards”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.

Linking to the Offer:

You can only access this Offer in My TD Rewards which is available through your TD EasyWeb Account and/or a TD mobile app account.
There is no fee to participate in the Offer.
When you link eligible TD Credit Cards and TD Access Cards with Visa Debit to your Starbucks Rewards account in My TD Rewards, you opt-into the Offer.
If you de-link from this Offer in My TD Rewards, you opt-out of the Offer and you will no longer participate in the Offer. You can opt-out of this Offer at any time. To opt-out of the Offer by de-linking, follow the instructions in My TD Rewards.
While you are opted into the Offer, and as long as you meet all requirements of the terms of this Offer, you will (as applicable):
- earn bonus Stars with your eligible TD Credit Card or your TD Access Card with Visa Debit (bonus Stars),
- for certain eligible TD Credit Cards, you can earn bonus TD points, or Aeroplan points, as applicable for your TD Credit Card (bonus points),
- For select TD Credit Cards, you can redeem your TD points for Stars

Eligible TD accounts:

Only TD Access Cards with Visa Debit can participate the Offer.
The following TD Credit Cards are eligible TD Credit Cards that can participate in this Offer:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card
- TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Aeroplan Visa Business Card
- TD Cash Back Visa card TD Cash Back Visa Infinite Card, TD Business Cash Back Visa Card
- TD Emerald Flex Rate Visa Card, TD Business Select Rate Visa Card
- TD Green Visa Card, TD Venture Visa Card

Participation in the Offer:

For eligible TD Credit Cards Accounts, both the Primary Cardholder and any Additional Cardholder can participate.
For TD Access Card with Visa Debit, any account holder on the same account can participate.
You must be a member of the Starbucks Rewards program.
You must keep your eligible TD Credit Card or your TD Access Card with Visa Debit open, active and in Good Standing.

Eligible Purchases:

For the purpose of this Offer, Eligible Purchases means the following:
- Any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards (“Starbucks Cards”), at Participating Starbucks Stores (as defined below); and
- Adding funds to the Starbucks Card(s) registered to your Starbucks Rewards account (“Reload”) using an eligible TD Credit Card, or using a TD Access Card with Visa Debit, as applicable. To learn more about registering your Starbucks Card to your account, visit Starbucks.ca/rewards.

Participating Starbucks Stores:

Participating Starbucks Stores are Starbucks locations in Canada that honor Starbucks Rewards. To locate stores that honor Starbucks Rewards, visit www.starbucks.ca/store-locator and look for stores that list “ Redeem Rewards” as one of the store amenities.

Earning bonus Stars:

First: You must link your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account in My TD Rewards.
Second: Add your eligible TD Credit Card or your TD Access Card with Visa Debit as a linked method of payment within the Starbucks app, and then use it to order ahead or pay at the register for an Eligible Purchase at a Participating Starbucks Store. To learn more about adding your TD Credit Card or your TD Access Card with Visa Debit as your payment method to the Starbucks app, visit Starbucks.ca/rewards
You can also earn bonus Stars when you Reload your Starbucks Card using your eligible TD Credit Card, or your TD Access Card with Visa Debit linked to this Offer.
Here is a chart that sets out how many bonus Stars you will earn with this Offer when you meet the terms of this Offer:

Reloading your Starbucks Card

1 Star for every $1.00 Canadian Dollar spent when you Reload your registered Starbucks Card using your linked eligible TD Credit Card or your TD Access Card with Visa Debit.

Making an Eligible Purchase through the Starbucks app:

0.50 Star for every $1.00 Canadian Dollar spent when you add your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account and use it to pay through the Starbucks app (either by scanning it in person at the register or ordering ahead via mobile order and pay). To learn more about adding your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account, visit Starbucks.ca/rewards.

You can check your Star balance and available Rewards, as well as any additional benefits for which you are eligible as a Starbucks Rewards member, on www.starbucks.ca/rewards or by using the Starbucks app.
If you would like to report an error for your Stars earned under this Offer, you must contact Starbucks using the information stated below under "Additional Terms".

Earning bonus points:

When you meet the terms set out in this Offer, select eligible TD Credit Cards (set out below) can earn bonus points on Eligible Purchases. TD Access Cards with Visa Debit do not earn bonus points.
The number of bonus points that you can earn will depend on the type of eligible TD Credit Card you have. The bonus points you earn under this Offer are in addition to regular points you can earn under the rewards program connected to your eligible TD Credit Card.
You can only earn bonus points on the net Eligible Purchases charged and posted to the Account. This means that credits for refunds, returned items and other similar credits for Purchases may reduce or cancel the bonus points earned.
The select eligible TD Credit Card listed below can earn bonus points under this Offer:

TD Rewards Visa Card	1 TD point for every $1.00 in Eligible Purchases
TD Platinum Travel Visa Card	1 TD point for every $1.00 in Eligible Purchases
TD First Class Travel Visa Infinite Card	1.50 TD points for every $1.00 in Eligible Purchases
TD Aeroplan Visa Platinum Card	0.50 Aeroplan point for every $1.50 in Eligible Purchases
TD Aeroplan Visa Infinite Card	0.75 Aeroplan point for every $1.00 in Eligible Purchases
TD Aeroplan Visa Infinite Privilege Card	0.75 Aeroplan point for every $1.00 in Eligible Purchases
*TD Business Travel Visa* Card**	3 TD points for every $1.00 in Eligible Purchases
TD Aeroplan Visa Business Card	0.75 Aeroplan point for every $1.00 in Eligible Purchases

The way we will show you the number of bonus points you have earned with this Offer will depend on the type of TD Credit Card you have:
- For TD Aeroplan Credit Cards: We will show you the number of Aeroplan points you have earned with your TD Credit Card in a particular statement period on the Account’s monthly statement. Your bonus points earned under this Offer will be included in your total points balance shown on your Account's monthly statement. Once the Aeroplan points are awarded to the Aeroplan Member Account, you can check your Aeroplan points balance directly with Aeroplan. If you would like to know about the bonus points earned under this Offer, you can contact us using the information provided below.
- For TD Rewards Credit Cards: you can see number of bonus TD points you have earned with this Offer in both TDrewards.com and My TD Rewards in real-time. You can also review your total TD points balance in your Account's monthly statement.

Redeeming TD points for Stars:

The following eligible TD Credit Cards can redeem TD points for Stars:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card.

To redeem your TD points for Stars:
- Your eligible TD Credit Card linked to this Offer must be open, active and in Good Standing.
- Your Starbucks Rewards account must be open and active.
- You must link your eligible TD Credit Card to your Starbucks Rewards account in My TD Rewards.

Either the Primary Cardholder or any Additional Cardholder can instruct us to redeem TD points for Stars in My TD Rewards in one of the following manners:

One Time
Redemption

o Redeem your TD points at any time for Stars in My TD Rewards as long as the eligible TD Credit Card Account linked to this Offer has a minimum of 700 TD points.

Auto-redemption:

o You can tell us in My TD Rewards to automatically redeem your TD points by the date, frequency, and the number of TD points you specify.

o When you select this option, we will automatically review your instructions on a daily basis (business day only) and process your redemption when it applies.

o If you want to modify or cancel this option, we will process the modification or cancellation on the same business day if submitted before 11pm Eastern Standard Time (EST), or it will be completed the following business day.

No matter which redemption option you select, we cannot reverse a redemption once the TD points are redeemed. We process your redemption request under this Offer in real-time.
The Primary Cardholder or any Additional Cardholder can redeem TD points for Stars. We will rely on the first set of instructions we receive either from the Primary Cardholder or an Additional Cardholder to redeem TD points for Stars with this Offer. Our electronic time-keeping methods will be definitive in determining the time and date of receipt by us of any redemption instructions.

Additional Terms:

My TD Rewards is located online in EasyWeb and in the TD mobile app. We may create new ways for you to access My TD Rewards or we may change where you can access My TD Rewards.
This Offer may be changed, extended, or withdrawn at any time without notice. If we provide notice, we will provide it using electronic means.
We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in Good Standing.
Starbucks may also restrict, cancel, or terminate any person or cardholder’s ability to participate in the Offer and such restriction, cancelation or termination may be with or without notice.
This Offer will be in addition to any other offers available for the eligible TD Credit Cards and TD Access Cards with Visa Debit.
We are not responsible for the Starbucks Rewards program, or the terms that govern the Starbucks Rewards program, including the expiry or cancellation of Stars, redemption conditions, benefits, features, or services of the Starbucks Rewards program, and its availability, cancellation or termination. This also includes no responsibility for the services supplied under the Starbucks Rewards program, or for any actions or omissions. We will not accept any responsibility for any loss or damages caused by goods or services supplied or requested in connection with the Starbucks Rewards program.

Starbucks is not liable or responsible for My TD Rewards, the terms that govern your TD Access Cards with Visa Debit card, or terms that govern the eligible TD Credit Cards (including the applicable reward program term and condition linked to the eligible TD Credit Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.

Privacy:

By choosing to participate and link an eligible TD Visa Card or TD Visa Access Card with Visa Debit, you agree TD may disclose information about your transactions as well as TD and Starbucks Rewards to Starbucks Stars in order to administer the Offer. This includes information about your TD and Starbucks Rewards memberships and balances, the time and amount of a transaction, how a transaction was completed, and any rewards points you transfer.

Any information you provide directly to TD or that TD obtains about you as a TD Bank customer or participant in the Offer will be governed by The TD Privacy Policy.

Any information you provide directly to Starbucks or that Starbucks obtains about you as a Starbucks customer or participant in the Offer will be governed by Starbucks’ Privacy Notice.

Contact:

To contact us, use one of the following methods:

Contact

Details

Starbucks

Online: https://customerservice.starbucks.ca/
Online Chat: https://customerservice.starbucks.com/app/contact/ask/
By Phone: 1-800-782-7282

TD Easy Line Telephone Banking

For all other questions

Online: TD.com
By Phone: 1-800-983-8472
By Mail: TD Credit Cards
P.O. Box 300
TD Centre
Toronto, Ontario M5K 1K6

®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

® Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

Earn up to $400^§ plus up to 5.55%^◊ Savings Interest Rate

How to get this offer?

Step 1: Open an Eligible Chequing Account

Step 2: Add a TD ePremium Savings Account

Step 3: Add Overdraft Protection

TD Unlimited Chequing Account

TD All-Inclusive Banking Plan

Frequently Asked Questions

Features for all TD chequing accounts

TD MySpend

TD Fraud Alerts

TD Mobile Deposit

Earn 50% more Stars at Starbucks

See you in a bit

TD Unlimited Chequing Account Additional Offer

TD ePremium Savings Account

Overdraft Protection
($50 bonus offer^∞)

Select the TD Unlimited Chequing Account and view bonus offers

TD All-Inclusive Banking Plan Additional Offer

ePremium Savings Account

Overdraft Protection
($50 bonus offer^∞)

Select the TD All-Inclusive Banking Plan and view bonus offers

Earn up to $400§ plus up to 5.55%◊ Savings Interest Rate

How to get this offer?

Step 1: Open an Eligible Chequing Account

Step 2: Add a TD ePremium Savings Account

Step 3: Add Overdraft Protection

Frequently Asked Questions

When will I get my Cash offer?

Can I get the Cash offer if I open my account in Branch?

Can I get the $400 Cash plus Savings Interest Rate from opening a Chequing Account only?

I already have a TD Chequing account, am I still eligible for the Cash offer?

Can I get the Savings or Overdraft Protection Plan (ODP) offer if I already have a TD Chequing account?

Is there a minimum dollar value for the bill payments to qualify for the Cash offer?

When will I get my Savings interest?

Features for all TD chequing accounts

TD ePremium Savings Account

Overdraft Protection ($50 bonus offer∞)

ePremium Savings Account

Overdraft Protection ($50 bonus offer∞)

Earn up to $400^§ plus up to 5.55%^◊ Savings Interest Rate

Overdraft Protection
($50 bonus offer^∞)

Overdraft Protection
($50 bonus offer^∞)