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1 No transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
2 For more information about transactions and a complete list of account fees and other service fees, see About Our Accounts and Related Services.
Ŧ TD New to Savings Offer (Terms and Conditions)
Eligible customers can earn an additional 4% Bonus Savings Interest Rate for 90 days on deposits in a new TD Savings Account and/or new TD Canada Trust TFSA High Interest Tax-Free Savings Account (the “New TFSA HISA”) – on any balances up to $1,000,000. The Savings and TFSA HISA Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must:
- Open a New Savings Account and/or New TFSA HISA
- Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (the "New Savings Account") between November 3, 2026 and January 29, 2027; and/or
- Open a New TFSA HISA between November 3, 2026 and January 29, 2027.
- Deposit Funds to Earn an Additional 4.00% Bonus Interest Rate for 90 Days
The New Savings Account and/or New TFSA HISA will earn a Bonus Savings Interest Rate of 4.00% per annum on any balances up to $1,000,000 for 90 days in addition to the current applicable posted interest rate on that account. The Bonus Savings Interest Rate will be applied to the New Savings Account and/or New TFSA HISA commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter (“Promotional Period”), subject to the limitations below.
- The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account and/or New TFSA HISA.
- The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.
- After the Promotional Period ends, only the posted interest rate will apply.
- For the current posted interest rates, interest calculations, and information about Daily Closing Balance, see About Our Interest Calculations.
Fulfillment:
- The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account and/or New TFSA HISA monthly during the Promotional Period, provided that the applicable savings account(s) are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Eligibility Restrictions
This offer is not available to:
For the New Savings Account:
- customers who already have a TD Savings Account as of November 2, 2026;
- customers who had a TD Savings Account that was closed on or after November 3, 2025;
For the New TFSA HISA:
- customers who already have a TFSA HISA as of November 2, 2026;
- customers who had a TFSA HISA that was closed on or after November 3, 2025;
Limitations:
- For any New Savings Account that is a joint account, at least one account holder on the applicable eligible account must meet the eligibility requirements.
- If the New Savings Account plan type is changed during the Promotional Period (for example, from a TD Every Day Savings Account to a TD Growth Savings Account), the New Savings Account will no longer be eligible to receive the Bonus Savings Interest Rate.
- This Offer cannot be combined with other savings account promotional offers. Where a customer qualifies for more than one offer, this Offer will be applied to the Eligible TD Savings Account or New TFSA HISA first, to the exclusion of any other offer in any TD Savings Account or TFSA HISA.
- There may be tax implications associated with the Bonus Savings Interest Rate. 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.
- Interest rates may change without notice.
- We can change, extend, or withdraw this offer at any time.
- TD reserves the right to suspend, limit, withdraw, or reverse any bonus interest from customers where TD reasonably determines that a customer is ineligible for the Offer, has engaged in conduct intended to manipulate, circumvent, or otherwise gain an unintended benefit under the Offer, has failed to comply with applicable tax legislation, or has violated these Terms and Conditions.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Last updated: November 3, 2026
Overdraft Protection
Overdraft Protection is an optional financial product which you can apply and be approved for1. It's a way to help you cover occasional shortfalls from transactions that may occur in that account up to an approved limit.
If you withdraw more than you have in your account, within your overdraft limit, the account incurs a negative balance. You can pay your outstanding overdraft balance by making a deposit into your account with the Overdraft Protection service.
Overdraft Protection interest rates
Overdraft protection is subject to approval and approved limits, interest rates and repayment conditions.
- First, you need to apply and be approved for overdraft protection1. Apply now – it only takes a few minutes
- Overdrafts are subject to an interest rate of 21% per annum
- Deposits are immediately and automatically applied against the overdrawn balance
- Overdrawn balances must be paid within 89 days
- Overdraft interest rates are subject to change
1 All account holders on a TD Chequing Account plan need to be approved for Overdraft Protection Service. Each account holder must be age of majority in their province of residence to apply for Overdraft Protection Service.
TD Every Day Savings Account Details
Account Fees
|
Service |
Fee |
|---|---|
|
Monthly Fee |
$0 |
|
Transactions included per month1 |
1 |
|
Additional Transactions1 |
$3.00 each |
|
Free Transfers to your other TD accounts2 |
Unlimited |
|
Non-TD ATM Fee (in Canada)3 |
$2.00 each |
|
Foreign ATM Fee (in U.S., Mexico)3 |
$3.00 each |
|
Foreign ATM Fee (in any other foreign country)3 |
$5.00 each |
|
Paper Statement |
$2.00 per month |
1 For more information about transactions and a complete list of account fees and other service fees, see About Our Accounts and Related Services.
2 No transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
3 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.
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
You could earn a 4% Bonus Interest Rate for 90 daysŦ.
- Open a new eligible TD Savings Account and/or a new High Interest TFSA Savings Account (TFSA HISA) by January 29, 2027.
- Make a new deposit and earn a 4% Bonus Interest Rate in addition to the posted interest rate for 90 days on balances up to $1,000,000. The more you deposit, the more you earn.
Conditions applyŦ