U.S. bank accounts and services for Canadians

U.S. dollar chequing accounts

For short-term travellers, a Canadian-based U.S. dollar chequing account with TD Canada Trust allows you to save U.S. funds and withdraw cash at TD Canada Trust branches.

Long-term travellers may benefit from having both a Canadian-based U.S. dollar chequing account with TD Canada Trust and a U.S.-based checking account with TD Bank, America's Most Convenient Bank® so that you can easily transfer money to the U.S.1 A U.S.-based checking account also allows you to withdraw cash at TD ATMs in the U.S and pay U.S. bills online with TD Bank Online Banking or Mobile Banking.

TD Canada Trust U.S. dollar chequing accounts

This chequing account is designed for frequent U.S. travellers.

  • $4.95 U.S. monthly fee2
  • $3,000 U.S. minimum monthly balance for monthly fee rebate3
  • Unlimited transactions per month4

This convenient chequing account simplifies your U.S. dollar banking, with no monthly fee.

  • $0 monthly fee
  • Canadian-U.S. quick online exchange
  • Earn Interest on every U.S. dollar

TD Bank, America's Most Convenient Bank® checking accounts

This checking account is made for everyone. Designed with you in mind, this account has what you need, plus a little more.

  •  Three ways to waive the $15 monthly maintenance fee5
  • Waived monthly maintenance fee on one linked personal savings account of your choice
  • Additional benefits for students and young adults

TD Bank, N.A. Member FDIC

An account loaded with benefits: Pay no ATM fees anywhere you go6 and earn interest.

  • Three ways to waive the $25 monthly maintenance fee7
  • Waived monthly maintenance fees on all linked personal savings accounts8
  • Two overdraft fees automatically reversed with Overdraft Payback9

TD Bank, N.A. Member FDIC

U.S. dollar credit cards

A Canadian-based U.S. dollar credit card with TD Canada Trust or a U.S.-based credit card with TD Bank, America's Most Convenient Bank® can help you save on foreign exchange fees by allowing you to transact in U.S. dollars and reduce the need to carry around large sums of cash when travelling.

TD Canada Trust U.S. Dollar Credit Card

With this credit card11 you can make U.S. dollar purchases in U.S. dollars with no U.S. dollar conversion fees.

  • $39 U.S. annual fee (waived with Borderless Plan12)
  • Eliminate U.S. dollar currency credit card conversion rates and fees when making purchases in U.S. dollars13

TD Bank, America's Most Convenient Bank® credit cards

To apply for a U.S.-based credit card with TD Bank, America's Most Convenient Bank®, you will need to have a U.S. address and be an existing client of TD Bank, N.A. or TD Canada Trust.

Cash Back, your way14

  • Earn 3% and 2% Cash Back on your choice of Spend Categories15
  • Plus, you can switch, your categories quarterly
  • Earn 1% Cash Back on all other eligible purchases
  • No Annual Fee

By clicking on the links below you are choosing to leave the TD Canadian site to access the TD Bank US site to learn more about its US products & services. The TD Cash Credit Card is offered, sold and serviced exclusively in the United States by 
TD Bank, N.A.

Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

U.S. home lending

Buying and owning property in the U.S. is different from Canada. Whether you're looking for a vacation retreat, second home or investment property, our specialized Cross-Border home lending team can help you find the right loan16 and successfully navigate the process.


Buying or owning a home in the U.S.

  • Why buy property in the U.S.?
    You can extend your buying power by borrowing in U.S. dollars. Coupled with lower interest rates, rising property values and potential rental income, you can't go wrong
  • Key differences between U.S. and Canadian mortgages
    There is a 20% down payment  required on second/vacation homes and 25% on investment properties
  • How exchange rates and mortgage interest work
    You will exchange Canadian dollars only to cover the down payment and closing costs. Mortgage interest may be tax deductible; we recommend you consult with a tax advisor for verification

Leverage your home's equity

TD Bank Home Equity Loans and Lines of Credit 

If you already own property in the U.S., TD Bank can offer you flexible financing options based on the equity in your home.

  • Take advantage of the equity in your home
    With a TD Bank Home Equity Loan or Line of Credit, you can make home improvements, consolidate debt, or finance large purchases
  • Lending options designed with you in mind
    Choose a fixed or adjustable rate based on your needs
  • Simplify your cross-border cash needs
    With a TD Bank Home Equity Loan or Line of Credit in the U.S., you can avoid currency exchange when you require access to U.S. funds
  • Contact our home lending specialists to learn more and apply
    Call the TD Cross-Border Banking Support Line10 at 1-877-700-2913 to speak with a home lending specialist

Mortgage and home equity tips and tools

Learn how the mortgage and home equity process works and which solution might be right for you.

  • The process for a mortgage or a home equity loan/line of credit takes approximately 45 to 60 days in the U.S., versus 20 days in Canada. You or your power of attorney will need to be physically present at the closing in the U.S.

  • TD Bank will convert your Canadian assets and liabilities and Canadian income to U.S. dollars as part of your application

  • You will typically need a 20% down payment, and your mortgage loan officer will review all closing fees with you and provide a loan estimate within 3 days of application

  • For a second home or investment property, we will lend up to a maximum combined loan-to-value of 75%. A home lending specialist will review all closing fees with you and provide a loan estimate within 3 days of application

Contact us

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