TD 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 in bonus interest. The estimated bonus interest value 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 account balance and activity.
Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the "New Chequing Account") by October 1, 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 Growth
TM Savings Account, or TD ePremium Savings Account (the "New Savings Account") AND applies and is approved for a new eligible TD Credit Card within 30 days of the New Chequing Account opening, 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 within 30 days of the New Chequing Account opening 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:
- Open a New Chequing Account
A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the "New Chequing Account") must be opened between June 4, 2026 and October 1, 2026.
- 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 December 2, 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 June 3, 2026;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
3) Customers who open a New Chequing Account on or after June 4, 2026, 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 2024, 2025, 2026; 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 below, and a new eligible TD Credit Card, and completing the required activities within the specified timelines:
- Open a New Eligible Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account (the "New Chequing Account") between June 4, 2026 and October 1, 2026, and
- 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 (the "New Savings Account") within 30 days of opening the New Chequing Account; and
- Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of the New Savings Account opening:
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.
- Open a New Eligible 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 (the "New TD Credit Card") within 30 days of the New Chequing Account opening.
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 June 3, 2026;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
3) Customers who open a New Chequing Account on or after June 4, 2026, 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 June 3, 2026;
5) Customers who had a TD Savings Account that was closed on or after June 4, 2025;
6) Customers who received any Savings Account offer from TD in 2024, 2025, 2026; 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 June 3, 2026.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
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:
- Open a New Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account (the "New Chequing Account") between June 4, 2026 and October 1, 2026, and
- Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (the "New Savings Account") within 30 days of the New Chequing Account opening;
- 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”), subject to the limitations below.
- 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 June 3, 2026;
2) Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
3) Customers who open a New Chequing Account on or after June 4, 2026, 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 June 3, 2026;
5) Customers who had a TD Savings Account that was closed on or after June 4, 2025;
6) Customers who received any TD Savings Account offer from TD in 2024, 2025, 2026; 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 during the Promotional Period, 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.
- If the New Savings Account plan type is changed during the Promotional Period (for example, from a TD Every Day Savings Account to a TD Growth Savings Account), the New Savings Account will no longer be eligible to receive the Bonus Savings Interest Rate.
- This Offer cannot be combined with other savings account promotional offers. Where a customer qualifies for more than one offer, this Offer will be applied to the Eligible TD Savings Account first, to the exclusion of any other offer in any TD Savings Account.
- 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.
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.
1 For more information about transactions and a complete list of account fees and other service fees, see
About our Account and Related Services.
2 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
The
"Eligible TD Credit Cards" are: 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.
The
"Annual Fee Rebate" is:
- Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139.
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
An Unlimited Account provides a maximum of one Annual Fee Rebate. This means:
- If you have an Unlimited Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or,if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible TD Credit Card opened first.
- If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
In order to receive an Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an Unlimited Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged.
- At the time the annual fee is charged to your Eligible TD Credit Card, the Unlimited Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of this Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
3 You may pay a fee to the ATM provider.
4 You pay no monthly fee if you have the minimum monthly balance indicated or more in your account at the end of each day in the month.
5 Customers with an All-Inclusive Banking Plan ("All-Inclusive Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card per calendar year. TD Credit Card is subject to credit approval.
The
"Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD Aeroplan® Visa Infinite Privilege* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The
"Annual Fee Rebate" is:
- Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139; and
- Up to $75 towards the annual fee charged for one Additional Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for one Additional Cardholder if that amount is less than $75.
The Annual Fee Rebate amount will not exceed the annual fee charged to the Eligible TD Credit Card for the Primary Cardholder and an Additional Cardholder.
An All-Inclusive Account provides a maximum of one rebate for the Primary Cardholder, and one rebate for an Additional Cardholder annual fee (where applicable). This means:
- If you have an All-Inclusive Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible Credit Card with the highest number of Additional Cardholders, or, if multiple Eligible Credit Cards have the same number of Additional Cardholders, to the Eligible TD Credit Card opened first.
- If the All-Inclusive Account is a joint account, only one accountholder can receive an Annual Fee Rebate. We will apply the rebate to the Eligible TD Credit Card in accordance with the criteria above. For greater certainty, the Annual Fee Rebate will no longer be provided to one of the accountholders ("Customer A") if the other accountholder ("Customer B") obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee. In this scenario, once Customer B obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee, Customer B will become eligible for the Annual Fee Rebate. Customer A will be charged the annual fee for their TD Credit Card in the anniversary month when Customer A's card annual fee was first charged and continue to be charged annually thereafter, without receiving an Annual Fee Rebate.
In order to receive the Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an All-Inclusive Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged
- At the time the annual fee is charged to your Eligible TD Credit Card, the All-Inclusive Account and the Eligible TD Credit Card must be open and in good standing
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of the Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
6 The TD app and the TD MySpend app are free to download, however standard wireless carrier message and data rates may apply.
7 You are responsible for ensuring the mobile phone number we have on file is accurate and notifying us of any changes. We will send the TD Fraud Alert text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, multiple third party involvement. TD Fraud Alert text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD customer profile.
8 Cheques must be drawn on a Canadian financial institution. Cheques payable in Canadian currency must be deposited to an eligible Canadian dollar account and cheques payable in U.S. currency must be deposited to an eligible U.S. dollar account.
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
* Trademark of Visa International Service Association; Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
