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®.
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 month3.
1 The TD app and the TD MySpend app are free to download, however standard wireless carrier message and data rates may apply.
2 Subject to credit approval. Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card, and for one Additional Cardholder for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply. Annual Fee rebate for Primary Cardholder and one Additional Cardholder for the same TD Credit Card Account also applies to existing TD Gold Elite Visa* Cardholders on the same terms set out above.
3 Minimum monthly balance indicated must be maintained at the end of each day in the month to qualify for the fee rebate.
5 Subject to credit approval. First-year Annual fee discount applies only to the Primary Cardholder for your choice of a new (to you) TD Credit Card from one of the following – TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum * Card, TD First Class Travel Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card, provided you maintain a TD Unlimited Chequing Account in good standing for the first year. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.
6 You may pay a fee to the ATM provider.
7 $10 monthly fee discount while enrolled in full-time post-secondary education, eligible with proof of enrollment only.
8 Subject to credit approval. The account holder must be age of majority in their province of residence to apply for Overdraft Protection Service (ODP). Amount in overdraft is subject to an interest rate of 21% per annum. If the type of TD Chequing Account is switched, the ODP fee may be impacted.
9 The $300 cash offer is available to Canadian residents that do not have an existing TD chequing account, that are the age of majority at time of account opening in their province or territory who:
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between May 31, 2021 and October 31, 2021 (the “New Chequing Account”), and
Complete any two of the following with the New Chequing Account:
Set up a Recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Account before December 27, 2021. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month;
Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 before December 27, 2021;
Set up a Recurring Pre-Authorized Debit, minimum $50 with the first pre-authorized debit posted to the New Account before December 27, 2021. Pre-authorized Debit must occur either weekly, biweekly, monthly or twice per month.
Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval.
The following are not eligible for the $300 cash offer:
Customers who already have a TD chequing account or TD Youth Account or had either one of these accounts that was closed on or after May 31, 2020; or
Received any chequing account offer from TD in 2018, 2019, 2020; or
TD staff members or a joint account with a TD staff member.
For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $300 cash offer per customer, per New Chequing Account.
The $300 will be deposited to the New Chequing Account within 12 weeks after all conditions have been met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate or receiving the New to Canada 6 month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $300 is deposited to the New Chequing Account.
We can change, extend or withdraw the $300 cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
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