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Personal Chequing Accounts

What is a TD Chequing Account?

Pay bills, send money, and manage your cash flow with a TD Chequing Account. Get access to online and mobile banking, giving you the freedom to deposit cheques on your mobile device. Plus, keep track of your spending on TD MySpend app1, and easily send money anytime, anywhere in Canada with Interac e-Transfer®.

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TD All-Inclusive Banking Plan

Limited Time Offer: Get up to $400 taibpl1
Unlimited banking transactions and premium banking benefits
Annual fee re‎bate on select TD credit cards taibpl3 (up to $139)
Free cheques, drafts & more
$29.95 Monthly Fee taibpl5

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TD Unlimited Chequing Account

Limited Time Offer: Get up to $400 tucal1
Unlimited transactions for your peace of mindtucal2
Annual fee rebate for the first year on select TD credit cards (up to $139)tucal3
No TD ATM fee at any ATM in Canadatucal4
Free Interac e-Transfer® transactions
$16.95 Monthly Feetaibpl5

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TD Every Day Chequing Account

A budget-friendly account for everyday banking
25 transactionstedsal1 per month
Free Interac e-Transfer® transactions
$10.95 Monthly Feetedcal2

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TD Minimum Chequing Account

An account for those with minimal banking needs
$3.95 Monthly Fee
12 transactionstmcal1 including up to 2 full serve transactions per month

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TD Student Chequing Account

Limited Time $100 Amazon.ca Gift Card offertscal1
An account designed for both youths and students, with no monthly fee
Unlimited transactionstucal2 per month
No Monthly Fee for Monthly Plan Overdraft Protection servicetscal4
Free Interac e-Transfer® transactions
$0 Monthly Fee (until 23 years old or with proof of enrollment in full-time post-secondary education)

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Chequing Account FAQs

  • How does a chequing account work?

    A chequing account is a spending account that you can use every day to pay bills or for day to day purchases. Learn more about the different ways you can use your chequing account.

  • How do I choose the account best suited for me?

    To help you decide which chequing account is best suited for you, use our Compare Bank Accounts tool. If you’re a newcomer to Canada or a current student in a post-secondary institution, we may have special offers for you.

  • How can I open a chequing account?

    Most of our accounts can be opened online in less than 5 minutes. Make sure you have a valid email address, employer information, and valid ID (either a valid passport or Canadian driver’s license) to verify your ID.

  • How can I keep my monthly fees low?

    Understanding how often you’ll use your chequing account and for what will help determine the type of account you need. Some of our chequing accounts will waive your monthly account fees if you keep the minimum balance at the end of each day of the month4.

Other questions you may have

We take your bank account security and privacy very seriously at TD. You can learn more about TD’s Online and Mobile Security.

Here are some banking security tips to keep your chequing account safe:

  • Sign up for Two-Step Verification
  • Do not disclose your username/password
  • Monitor your account(s) regularly for unauthorized transactions

Contact us immediately if you experience loss, theft, misuse, or compromise of your account.

Direct deposit allows you to get your employer and government payments deposited directly into your account. It’s convenient, reliable and secure. Learn more about direct deposit and its benefits.

Benefits of banking with TD

  • Online and Mobile Banking

    Manage your money from wherever you are. Harness the power of mobile banking with the TD App or bank online through EasyWeb.

  • TD MySpend

    Paired with your TD App, instantly keep track of your monthly spending so you can manage your cashflow and expenses more efficiently.

  • TD Mobile Deposit

    Use your mobile device to take a photo of your cheque and deposit it directly into your account with the TD App without going into the branch.

  • Direct Deposit

    Set up Direct Deposit to get employer and government payments deposited directly into your chequing account.

Learn more about chequing accounts

Make the most out of your everyday banking

Save time when you open a TD Chequing Account bundled with a savings account, or U.S. dollar account.

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