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TD New to Bank Offer (Terms and Conditions)
Calculating up to $700 in cash
§ Up to $700 in value is calculated as follows: Offer 1) $450 cash + Offer 2) $50 cash + Offer 3) $200 cash based on $10,000 new deposit balance = $700 total cash value.
Offer 1) Earn $450 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by November 5, 2025, and complete the qualifying criteria in accordance with Offer 1 below.
Offer 2) Earn $50 in cash by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth™ Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 2 below.
Offer 3) Earn $200 in cash based on a $10,000 new savings deposit balance, by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 3 below.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
Offer 1: Chequing Account $450 Cash
† The $450 cash offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory. To earn $450 in cash, you must:
- Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025.
- Complete any two of the following with the New Chequing Account:
- Set up a recurring Direct Deposit from an employer, pension provider or government with the first deposit posted to the New Chequing Account before January 9, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
- Make an Online Bill Payment through TD EasyWeb or the TD app (minimum $50) before January 9, 2026.
- Set up a recurring Pre-Authorized Debit (minimum $50) with the first Pre-Authorized Debit posted to the New Chequing Account before January 9, 2026. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
The following are not eligible for the $450 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; or
- 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 must meet the eligibility requirements.
Limit of one $450 cash offer per New Chequing Account. Limit of one $450 cash offer per customer.
The $450 cash 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, and all conditions continue to be met at the time of fulfillment. 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, before the $450 cash is deposited into the New Chequing Account.
We can change, extend, or withdraw this 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.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: Savings Account $50 Cash
◊ The $50 cash offer is available to Canadian residents that are of the age of majority at time of account opening in their province or territory. To earn $50 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- (b) Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Complete one of the following with the New Savings Account or TFSA HISA:
- Set up a pre-authorized transfer service with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
- Set up Simply Save with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening.
The following are not eligible for the $50 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TD Canada Trust Tax-Free Savings Account , TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $50 cash offer per New Savings Account or TFSA HISA. Limit of one $50 cash offer per customer.
The $50 cash offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continue to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the $50 cash offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the $50 cash offer will be deposited into the TFSA HISA.
We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 3: Savings Deposit Offer
∞ The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory. To earn between $200 to $2,400 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account or TFSA HISA from another financial institution(s) within 30 days, in the case of a New Savings Account opening, or within 60 days in the case of a TFSA HISA opening, and maintain the balance for 120 days (the "Qualifying Deposit"), subject to the following:
- If a customer withdraws or transfers any part of the Qualifying Deposit during the 120-day period, the amount of the Qualifying Deposit will be reduced accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer.
- If a customer opens both a New Savings Account and TFSA HISA, or multiple New Savings Accounts and/or multiple TFSA HISAs, within 30 days of the New Chequing Account opening, the Qualifying Deposits in the New Savings Account(s) and/or TFSA HISA(s) cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account or TFSA HISA with the greatest Qualifying Deposit.
- If any part of the Qualifying Deposit is being transferred directly from another financial institution(s), all funds must be received from the other financial institution(s) by TD and deposited into the account within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA.
- For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit.
The following are not eligible for the Savings Deposit Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding tax Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
At the end of the 120-day period, the amount of the Savings Deposit Offer (maximum $2,400) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:
Qualifying Deposit |
Cash Offer |
$10,000.00 to $24,999.99 |
$200.00 |
$25,000.00 to $49,999.99 |
$300.00 |
$50,000.00 to $99,999.99 |
$600.00 |
$100,000.00 to $199,999.99 |
$1,200.00 |
$200,000.00+ |
$2,400.00 |
Limit of one Savings Deposit Offer per eligible account. Limit of one Savings Deposit Offer per customer. The Savings Deposit Offer is limited to a maximum of $2,400.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Savings Deposit Offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continuing to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the Savings Deposit Offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the Savings Deposit Offer will be deposited into the TFSA HISA.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their new TFSA HISA exceeds their contribution limits under the applicable tax legislation.
We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
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 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
The "Eligible TD Credit Cards" are: 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.
The "Annual Fee Rebate" is:
- Up to $139 towards the Annual Fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139.
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
An Unlimited Account provides a maximum of one Annual Fee Rebate. This means:
- If you have an Unlimited Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible TD Credit Card opened first.
- If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
In order to receive an Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an Unlimited Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged.
- At the time the annual fee is charged to your Eligible TD Credit Card, the Unlimited Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the Annual Fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the Annual Fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of this Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
4 Customers with an All-Inclusive Banking Plan ("All-Inclusive Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card per calendar year. TD Credit Card is subject to credit approval.
The "Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD Aeroplan® Visa Infinite Privilege* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The "Annual Fee Rebate" is:
- Up to $139 towards the Annual Fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139; and
- Up to $75 towards the Annual Fee charged for one Additional Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for one Additional Cardholder if that amount is less than $75.
The Annual Fee Rebate amount will not exceed the annual fee charged to the Eligible TD Credit Card for the Primary Cardholder and an Additional Cardholder.
An All-Inclusive Account provides a maximum of one rebate for the Primary Cardholder, and one rebate for an Additional Cardholder annual fee (where applicable). This means:
- If you have an All-Inclusive Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible Credit Card with the highest number of Additional Cardholders, or, if multiple Eligible Credit Cards have the same number of Additional Cardholders, to the Eligible TD Credit Card opened first.
- If the All-Inclusive Account is a joint account, only one accountholder can receive an Annual Fee Rebate. We will apply the rebate to the Eligible TD Credit Card in accordance with the criteria above. For greater certainty, the Annual Fee Rebate will no longer be provided to one of the accountholders ("Customer A") if the other accountholder ("Customer B") obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee. In this scenario, once Customer B obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee, Customer B will become eligible for the Annual Fee Rebate. Customer A will be charged the annual fee for their TD Credit Card in the anniversary month when Customer A's card annual fee was first charged and continue to be charged annually thereafter, without receiving an Annual Fee Rebate.
In order to receive the Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an All-Inclusive Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged
- At the time the Annual Fee is charged to your Eligible TD Credit Card, the All-Inclusive Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the Annual Fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the Annual Fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of the Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
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 Visit www.td.com/starbucksoffer for more details.
10 Ordered online through EasyWeb; any style, including premium cheques.
® The TD logo and other TD 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 Program are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
Eligible 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
TD Cash Back Visa Infinite* Card
The TD Unlimited Chequing Account must be kept in good standing for the first year. Terms and conditions apply3.
Eligible TD Credit Cards
TD® Aeroplan® Visa Infinite* Card
TD® Aeroplan® Visa Platinum* Card
TD® Aeroplan® Visa Infinite Privilege* Card
TD First Class Travel® Visa Infinite* Card
TD Platinum Travel Visa* Card
TD Cash Back Visa Infinite* Card
The All-Inclusive Banking Plan must be kept open and in good standing. Terms and conditions apply4.
TD® Aeroplan® Visa Infinite Privilege* Card
TD® Aeroplan® Visa Infinite* Card
TD® Aeroplan® Visa Platinum* Card
TD Rewards Visa* Card
TD First Class Travel® Visa Infinite* Card
TD Platinum Travel Visa* Card
TD Cash Back Visa Infinite* Card
TD Cash Back Visa* Card
TD Low Rate Visa* Card
Eligible Savings Accounts
TD Every Day Savings Account
TD GrowthTM Savings Account
TD ePremium Savings Account
High Interest TFSA Savings Account (TFSA HISA) within TD Canada Trust TFSA
TD Unlimited Chequing Account Additional Offer
TD Everyday Savings Account
Get $200◊ by depositing $10,000 into the new eligible Savings Account within 30 days of account opening and maintain the balance for 150 days. Explore additional cash offers with the following deposit tiers. Earn:
|
Cash Tier Minimum |
Cash offer |
|---|---|
|
$2,500 |
$50.00 |
|
$5,000 |
$100.00 |
|
$10,000 |
$200.00 |
|
$25,000 |
$500.00 |
|
$50,000 |
$750.00 |
|
$100,000+ |
$1,000.00 |
TD All-Inclusive Banking Plan Additional Offer
TD ePremium Savings Account
Get $200◊ by depositing $10,000 into the new eligible Savings Account within 30 days of account opening and maintain the balance for 150 days. Explore additional cash offers with the following deposit tiers. Earn:
|
Cash Tier Minimum |
Cash offer |
|---|---|
|
$2,500 |
$50.00 |
|
$5,000 |
$100.00 |
|
$10,000 |
$200.00 |
|
$25,000 |
$500.00 |
|
$50,000 |
$750.00 |
|
$100,000+ |
$1,000.00 |