New to Bank Offer (Terms and Conditions)
Calculating up to $750 in value
§ Up to $750 in value is calculated as follows: Offer 1) $500 cash + Offer 2) $150 cash + Offer 3) an estimated value of $100.00 in bonus interest. The estimated interest amount is based on a $10,139 daily closing balance earning the Bonus Savings Interest Rate during the 90-day Bonus Rate period. Actual Bonus Interest earned may be higher or lower depending on the balance size and account activity.
Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by March 3, 2026 and complete the qualifying criteria described in the Offer 1 - Chequing Account Offer: $500 Cash section.
Offer 2) Earn $150 in cash when a New Chequing Account customer opens a new TD Every Day Savings Account, TD GrowthTM Savings Account, or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026 AND applies and is approved for a new TD Credit Card by April 3, 2026, and completes the qualifying criteria described in the Offer 2 - Bundle Offer: $150 Cash section.
Offer 3) Earn an additional 4.00% Bonus Savings Interest Rate for 90 days when a New Chequing Account customer opens a New Savings Account by March 3, 2026, and completes the qualifying criteria described in the Offer 3 – Savings Offer: Earn 4% Bonus Interest Rate for 90 Days section.
All amounts are in Canadian dollars. Other conditions may apply.
Offer 1 - Chequing Account Offer: $500 Cash
† The Chequing Account Offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $500 in cash by completing the required activities:
1. Open a New Chequing Account
A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("The New Chequing Account") must be opened between November 6, 2025 and March 3, 2026.
2. Complete Any Two of the Following Activities
To qualify, any two of the following activities must be completed, with the related transactions posted to your account by May 5, 2026
1) Receive a recurring Direct Deposit from an employer, pension provider or government. The Direct Deposit 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.
2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.
3) Have a recurring Pre-Authorized Debit of at least $50 come out of your account. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; or
5) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The $500 cash will be deposited into the New Chequing Account within 12 weeks after all required conditions have been met.
- At the time of fulfillment, the New Chequing Account:
- Must still be open, in good standing, and all conditions continue to be met; and
- 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 12-month fee waiver on the TD Unlimited Chequing Account, before the cash offer is deposited into the New Chequing Account.
Limitations:
- For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
- Limit of one $500 cash offer (Offer 1) per New Chequing Account and per customer.
- We can change, extend, or withdraw this 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.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2 - Bundle Offer: $150 Cash
◊ The $150 cash offer is available to Canadian residents that are of the age of majority at time of the New Savings Account and the TD Credit Card opening in their province or territory of residence. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a new TD Savings Account, defined above, and a new eligible TD Credit Card, and completing the required activities within the specified timelines:
1. Open a New Eligible Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between November 6, 2025, and March 3, 2026, and
2. Open a New Savings Account and Complete One Activity
- Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026;
- Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of opening the New Savings Account:
1). Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or
2). Set up Simply Save.
3. Open a New TD Credit Card
Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a "New TD Credit Card") by April 3, 2026.
The New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have an existing TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
8) Customers who are a Primary Cardholder of a personal TD Credit Card as of November 5, 2025.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
10) Customers who are enrolled in the New to Canada Banking Package.
Fulfillment:
- The $150 cash will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account, the New Savings Account, and New TD Credit Card are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Limitations:
- For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
- Maximum of one $150 cash offer (Offer 2) per New Savings Account and New TD Credit Card.
- Limit of one $150 cash offer (Offer 2) per customer.
- We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 3 –Savings Offer: Earn 4% Bonus Interest Rate for 90 Days
∞ Eligible customers can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new TD Savings Account – on any balances up to $1,000,000. The Savings Deposit 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:
1. Open a New Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between November 6, 2025 and March 3, 2026, and
2. Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026;
3. Deposit Funds to Earn an Additional 4.00% Bonus Interest Rate for 90 Days
The account 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 for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter (“Promotional Period”).
- The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account.
- 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.
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have a TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account monthly for a period of 90 days, provided that the New Chequing Account and the New Savings Account are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Limitations:
- For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements.
- There may be tax implications associated with the Bonus Savings Interest Rate. Customers should consult with their personal tax advisor for more information.
- Interest rates may change without notice.
- We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
