Bank accounts and fees at a glance

This is a simple overview of our most common fees. For a complete list of all banking fees that might apply to your account, please check our helpful About Our Accounts and Related Services document, which you can download here, or ask for at any branch.

TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

$30.95 or $0 (with a minimum daily account balance of $6,000).

$17.95 or $0 (with a minimum daily account balance of $4,000).

$11.95 or $0 (with a minimum daily account balance of $3,000).

$3.95 ($0 if you are receiving the Guaranteed Income Supplement or are a beneficiary of the Registered Disability Savings Plan).

$0 

$22.45 or $0 (with a minimum daily account balance maintained).

$11.95 or $0 (with a minimum daily account balance maintained).

$8.20 or $0 (with a minimum daily account balance maintained).

$0 if you are receiving the Guaranteed Income Supplement.

-

$6,000

$4,000

$3,000

There is no minimum account balance fee rebate.

There is no minimum account balance fee rebate.

Unlimited transactions.

Unlimited transactions.

25

12 (Includes up to 2 full-serve transactions per month*.) 
 
*Full-serve transactions are transactions completed in a TD branch or through EasyLine® telephone banking.

Unlimited transactions. 

No fee.

No fee.

$1.25

$1.25

No fee.

$1

$1

$1

$1

$1

For foreign purchases, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign purchases, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign purchases, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign purchases, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign purchases, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3


TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

No fee.

No fee.

$2 3

$2 3

$2

No fee.

$3

$3 3

$3  3

$3

No fee.

$5

$5 3

$5 3

$5

For foreign cash withdrawals, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.

For foreign cash withdrawals, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.

For foreign cash withdrawals, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign cash withdrawals, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International.3

For foreign cash withdrawals, we add 3.5% to your total after converting to Canadian dollars at the rate set by Visa International. 


TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

$5 fee/month plus 21% annual interest on the overdraft balance.7

$5 fee/month plus 21% annual interest on the overdraft balance.7

$5 fee/month plus 21% annual interest on the overdraft balance.7

$5 fee/month plus 21% annual interest on the overdraft balance.7

$0 fee/month if the monthly chequing account fee on the TD Minimum Chequing Account is $0 because a holder of the account is a Recipient of the Guaranteed Income Supplement or Beneficiary of the Registered Disability Savings Plan.

$0 fee/month plus 21% annual interest on the overdraft balance.7

$5 daily maximum fee, plus 21% annual interest on the overdraft balance. Not available on Quebec accounts.

$5 daily maximum fee, plus 21% annual interest on the overdraft balance. Not available on Quebec accounts.

$5 daily maximum fee, plus 21% annual interest on the overdraft balance. Not available on Quebec accounts.

$5 daily maximum fee, plus 21% annual interest on the overdraft balance. Not available on Quebec accounts.

$5 daily maximum fee, plus 21% annual interest on the overdraft balance. Not available on Quebec accounts.


TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

No fee.

No fee.

No fee.

Up to $100: $0.50 each.

Over $100: $1 each.

No fee.

$16

$16

$16 3

$16 3

$16

$50

$50

$50 3

$50 3

$50

$17.50 

$17.50 

$17.50

$17.50

$17.50

$25

$25

$25

$25

$25


TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

No fee.

$2

$2

No fee.

No fee.

$15/item.

$15/item.

$15/item.

$15/item.

$15/item.


TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student Chequing Account

No fee.

$2/month.

$2/month.

$2/month.

$2/month.

An Annual Fee Rebate of up to $139 for the Primary Cardholder and $75 for one additional Cardholder each calendar year on eligible TD Credit Cards.4

An Annual Fee Rebate of up to $139 for the Primary Cardholder for the first calendar year the account is open, on eligible TD Credit Cards.5

No Annual Fee Rebate is available on this account.

No Annual Fee Rebate is available on this account.

No Annual Fee Rebate is available on this account.

Basic cheques are free.

Fee varies.

Fee varies.3

Fee varies.3

Fee varies.

No fee.

$9.95

$9.95 3

$9.95 3

$9.95

No fee.

$10 when requested by the account holder; $15 when requested by non-account holders.

$10 when requested by the account holder; $15 when requested by non-account holders.3

$10 when requested by the account holder; $15 when requested by non-account holders.3

$10 when requested by the account holder; $15 when requested by non-account holders.

$25 in a TD branch or via EasyLine® telephone banking; $12.50 through EasyWeb® Online banking or the TD app.

$25 in a TD branch or via EasyLine® telephone banking; $12.50 through EasyWeb® Online banking or the TD app.

$25 in a TD branch or via EasyLine® telephone banking; $12.50 through EasyWeb® Online banking or the TD app.3

$25 in a TD branch or via EasyLine® telephone banking; $12.50 through EasyWeb® Online banking or the TD app.3

$25 in a TD branch or via EasyLine® telephone banking; $12.50 through EasyWeb® Online banking or the TD app.

$20

$20

$20

$20

$20

$15

$15

$15

$15

$15

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

$5 fee plus 21% annual interest on overdraft balance if cheque or payment2 is paid; Quebec account holders only pay the interest. $48 fee if TD does not approve the cheque or payment.

This is a simple overview of our most common fees. For a complete list of all banking fees that might apply to your account, please check our helpful About Our Accounts and Related Services document, which you can download here, or ask for at any branch.



Reasons to bank with TD

  • Bank and trade anytime with the secure TD app.

  • Grow your savings automatically – every time you use your TD Access Card.

  • Get some peace of mind knowing you can try to prevent missed payments on your TD chequing account.

  • Direct Deposit is a convenient way to have your funds deposited directly into your TD bank account. Get access to your paycheque or government payments (such as tax returns, pension benefits, etc.), with no holds on your money.


Frequently Asked Questions (FAQs)

Fees help us deliver the reliable banking services we provide to you. This includes secure account management, processing free transactions (up to a limit), Interac e-Transfers, running our network of over 1,000 branches and 3,400 ATMs, and providing mobile, telephone and online banking, and more.

Keep in mind, accounts with higher monthly fees include more benefits.

Looking to avoid paying a monthly fee? Keep the minimum balance in your account, if applicable.


Keep the minimum balance in your account at the end of every day of the month to avoid the monthly fee. Your account balance is calculated daily, so if your balance drops below the minimum, you will be charged the monthly fee.


You can avoid monthly account fees on select TD chequing accounts by maintaining the minimum daily balance every day of the month.


A transaction includes actions that involve money moving out of your account, such as, but not limited to, debit purchases, bill payments, Pre-Authorized Payments, withdrawals, and transfers (including Interac e-Transfers®, cheques, etc.)


It's simple. Use EasyWeb® Online banking or the TD app to transfer funds from your savings account to your chequing account.


An NSF (Non-Sufficient Funds) fee is what’s charged when there is not enough money in your account to cover a transaction, such as a Pre-Authorized Payment or a cheque. It is charged each time the item is presented for payment.


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