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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®.
Special Offer
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TD All-Inclusive Banking Plan
Special Offer
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TD Minimum Chequing Account
An account for those with minimal banking needs
$3.95 Monthly Fee
12 transactions4 including up to 2 full serve transactions per month
Special Offer
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TD Student Chequing Account
An account designed for both youths and students, with no monthly fee
25 transactions4 per month
No Monthly Fee for Monthly Plan Overdraft Protection service8
Free Interac e-Transfer® transactions
$0 Monthly Fee (until 23 years old or with proof of enrollment in full-time post-secondary education)
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 month3.
Other questions you may have
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
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Chequing vs Savings Account
Understand the differences between chequing and savings account so you know the benefits of each.
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Single vs. Joint Account
Understand what a joint account is and its benefits when you manage an account with another individual.
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.Browse all bank accounts
Explore our accounts to see which one is right for you.
Find the right TD products
Just answer a few simple questions. We’ll suggest TD products to help you achieve your banking goals.
