Personal Bank Accounts

What can a TD personal bank account do for you? From chequing accounts with unlimited transactions and monthly fee rebates, to savings accounts that may help you achieve your financial goals, TD offers a range of personal bank accounts to help you manage your money. Compare the differences between a chequing and savings account so you know which type of bank account is best suited for you.

What type of account do you need?


Featured accounts

Special Offer
Get unlimited transactions 2
Annual fee rebate for the first year on select TD credit cards (up to $139)3
No TD fee on any ATM in Canada4
Free  Interac e-Transfer® transactions
Monthly account fee of $16.95 or $0 if you maintain a daily balance of $4,000 or more5

Special Offer
Unlimited banking transactions and premium banking benefits
Annual fee re‎bate on select TD credit cards7 (up to $139)
Free cheques, drafts & more
Monthly account fee of $29.95 or $0 if you maintain a daily balance of $5,000 or more5

Our most popular Savings account
Ideal if you’re starting to save or want frequent access to your funds
$0 Monthly Fee
Every dollar earns interest calculated daily
1 transaction2 per month


Features for all TD personal accounts

  • Paired with your TD app, instantly keep track of your monthly spending.8

  • Get text messages right to your mobile when we detect suspicious activity made with your TD Access Card for your personal banking accounts.9

  • Deposit cheques as soon as you receive them so you can spend more time doing the things you want. 10

  • Instantly lock your TD Access Card while maintaining pre-authorized payments, bill payments and transfers.


Frequently Asked Questions

Bank accounts

A bank account is an arrangement with a financial institution. As per this arrangement, a financial institution allows a person to deposit money into an account and withdraw it as necessary. Certain conditions may apply.


There are many different types of bank accounts. In Canada, chequing accounts and savings accounts are the most common type of personal bank accounts.


Yes, it is possible to open a bank account online. You may be required to provide some personal and financial information. You must be the age of majority in your province or territory of residence.


To open a TD Canadian bank account, you will need a valid form of identification (Photo ID and Non-Photo options exist). You will also need to provide a Social Insurance Number for tax reporting purposes.


We offer student accounts tailored to your banking needs, whether it be no monthly fee or unlimited transactions. Learn more about the TD Student Chequing Account.


TD offers a range of personal chequing accounts designed to help you manage your money easily and take care of your bill payments, deposits, withdrawals, and other day-to-day financial matters. We encourage you to visit our personal chequing accounts page to compare different account types and choose the account that best meets your needs.


Whatever your savings goals, we offer a range of easy, flexible, convenient savings account options to help you reach them.

Visit our Savings Account page to view the benefits and features of each account to choose the one that's right for you.


A Tax-Free Savings Account (TFSA) is a registered plan that allows you to grow your savings tax-free. Through a TFSA, you can put your savings into eligible investments such as cash, stocks, bonds, GICs and mutual funds.

You’re not taxed on any income you earn within the account, so it’s a great way to save for any short, medium, or long-term goals.


Other Account Feature

Yes. You can change your existing single bank account into a joint account. You may need to visit a branch.


Yes. You can view your bank account balance online by logging in to EasyWeb or through the TD mobile app.


The institution number for all TD Canada Trust branches is 004.


You can view your account balance (and all your account information) by logging into EasyWeb Online banking and opening your My Accounts page, or by logging into the TD mobile app.


Yes. You can use TD Global Transfer on the TD app or EasyWeb to send money internationally. You will need to complete a one-time registration on the TD app or EasyWeb. For more details please visit the TD Global Transfer page.


Manage foreign exchange risk by holding funds in the foreign currency of your choice. Maintain the Minimum Monthly Balance in select currencies to waive the Monthly Account Fee. Visit a TD branch for details.


If you don’t have enough money in your Account to cover a payment or withdrawal, ODP may cover your payments or withdrawals up to your Overdraft Limit.


Earn 50% more Stars at Starbucks

Earn 50% more Stars at participating Starbucks® stores. Simply link your TD Access Card with Visa Debit with your Starbucks® Rewards account. Conditions apply11.


Discover more account features and services

  • Overdraft Protection can help you avoid declined transactions, late payment charges on your statements and bills, and non-sufficient funds fees.

  • Pay your bills on time, every time. With Pre-Authorized Debit (PAD) payments are automatically deducted from your TD account.

  • 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.

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

Need help finding the right TD products?

Just answer a few simple questions. We'll suggest TD products to help you achieve your banking goals.

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