You are now leaving our website and entering a third-party website over which we have no control.
You’re opening a TD Minimum Chequing Account
Monthly fee: $3.95
Save time with one application
You can also open additional accounts and services at this time.
Before applying, consider adding:
Additional Offer
Sorry, we didn't find any results. You could check for misspelled words or try a different term or question.
We're sorry. Service is currently unavailable.
We found a few responses for you:
We matched that to:
Popular questions
Helpful related questions
Did you find what you were looking for?
Thank you
We're sorry. Service is currently unavailable.
Sorry this didn't help. Would you leave us a comment about your search?
Thank you
See you in a bit
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Loans and lines of credit
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Advice
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services
TD Corporate
Other TD Businesses
Legal
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 Campaign (Terms and Conditions)
June 4, 2026 – Oct 1, 2026
Earn up to $5,000 in Cash with certain deposits.
The up to $5,000 cash offer (the "Cash Offer") is available to TD clients who:
a. Are Canadian residents and are the age of majority in their province or territory of residence as of account opening
b. Do not have a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account as of June 3rd, 2026
c. Open a new TD Savings Account, either a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account ("New Savings Account") between June 4, 2026 – October 1, 2026; and
d. Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account from another financial institution(s) within 30 days of account opening and maintain the balance for 90 days in the account (the "Qualifying Deposit"), subject to the following:
i. The Qualifying Deposit must be deposited in the New Savings Account within 30 days of account opening.
ii. The Qualifying Deposit must be maintained in the New Savings Account for a minimum of 90 days starting from the 31st day of account opening.
iii. If a client withdraws or transfers any part of the Qualifying Deposit during the 90-day period, the amount of the Qualifying Deposit will be subtracted and calculated 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.
iv. If a client has multiple TD Savings Accounts, funds in the accounts cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account with the greatest Qualifying Deposit.
v. 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 Cash Offer:
a) Clients who have an existing TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account as of June 3, 2026.
b) Clients who had a TD ePremium Savings Account, TD Every Day Savings Account, or TD GrowthTM Savings Account that was closed on or after June 4, 2025.
c) Clients who open a new TD Unlimited Chequing Account or TD All-Inclusive Banking Plan with a new TD Savings Account between June 4, 2026 and October 1, 2026, as part of the TD New to Bank Offer or New to Canada Banking Package Offer.
At the end of the 90-day period, the amount of the Cash Offer (maximum $5,000) 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 |
$350.00 |
$50,000.00 to $99,999.99 |
$600.00 |
$100,000.00 to $249,999.99 |
$1,000.00 |
$250,000.00 to $499,999.99 |
$2,500.00 |
$500,000.00+ |
$5,000.00 |
Limit of one Cash Offer per eligible account. Limit of one Cash Offer per client. The Cash Offer is limited to a maximum of $5,000.
This Cash Offer cannot be combined with other savings account promotional offers.
For any New Savings Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Cash Offer will be deposited to the New Savings Account where the Qualifying Deposit was deposited, within 12 weeks after all required conditions have been met, provided that the New Savings Account is still open, in good standing, and all conditions continuing to be met at the time of fulfillment.
There may be tax implications associated with the Cash Offer. Clients should consult with their personal tax advisor for more information.
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 Cash Offer at any time.
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 cash bonus up to $5,000Ŧ.
- Open a new eligible TD Savings Account by October 1, 2026.
- Make a new deposit or transfer $10,000 or more directly from another financial institution into your new eligible TD Savings Account within 30 days of account opening.
- Maintain the balance for 90 days starting from the 31st day of account opening.
Conditions applyŦ