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Foreign Workers
As a foreign worker, you’ll be moving from your home country to Canada for work, which can be a big change. But we can help you throughout your financial journey. Whether you're looking for guidance or products to help manage your finances in Canada, TD has solutions to help make banking easier.
Get started with the basics
TD Chequing Accounts
It's important to set up your first chequing account, as it's your key to day-to-day banking and usually a way for your employer to pay you directly. Our TD Unlimited Chequing Account can be a good place to start.
TD Savings Accounts
A savings account can help you set money aside for purchases you'd eventually like to make, or in the case of an emergency. The TD Every Day Savings Account or the TD ePremium Savings Account are both good options to consider.
Benefits of banking with TD
Steps to Open Your First Canadian Bank Account
Ready to get started? We're ready to help you! You'll be required to visit a TD branch; however, in the meantime, here are some simple steps to help you prepare.
Step 1
Check out all the accounts we offer at TD and see which align to your needs.
Step 2
Gather the right documentation required to set up your account.
Step 3
Meet with a TD advisor in branch.
Documents needed to open your TD bank account
Looking to open an account with TD? Here's list of documents you'll need to bring with you to a TD branch:
- Temporary Work Permit (IMM Form #1442/1102), and
- A valid passport, or
- Canadian driver’s licence, or
- Canadian Government ID Card
More resources for foreign workers
Get in touch
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^ Subject to credit approval. Credit limit will be based on financially related information about you, including verifiable income and credit history (if available). Higher credit limits up to $15,000 are subject to full credit review.
1 Value of up to $1,790 in welcome bonuses, savings and benefits is calculated as follows:
- TD Unlimited Chequing Account Rebate Offer3: Earn up to $215.40 in account fee savings when you open a new TD Unlimited Chequing Account (“New Chequing Account”) and completing the qualifying criteria as set out in the offer3. This value is based on $17.95 monthly account fee rebate for the first 12 months.
- TD Unlimited Chequing Account Offer4: Earn $500 in cash when you open a TD Unlimited Chequing Account (“New Chequing Account”) by October 1, 2026 and complete the qualifying criteria described in the TD Unlimited Chequing Account Offer below4.
- TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer5: Earn an additional 4% Bonus Savings Interest Rate for 90 days ($100 in estimated value) when a New Chequing Account customer opens a new TD Every Day Savings Account, TD Growth™ Savings Account, or TD ePremium Savings Account (each a "New Savings Account") within 30 days of the New Chequing Account opening and completes the qualifying criteria described in the TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer below5. The estimated value of $100 in bonus interest is based on a $10,139 daily closing balance earning the Bonus 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.
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer6: Earn up to $524 in value7, including up to 20,000 Aeroplan points6,8 and no Annual Fee for the first year6. Conditions Apply7. Account must be opened by October 1, 2026.
- TD Global Transfer Offer12: Estimated value of $105 is based on seven Western Union® Money TransfersSM for 12 months using TD Global Transfer at a fee of up to $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other third-parties involved in transferring the money may charge additional fees to the recipient of the funds.
- TD Direct Investing Offer13: Earn up to $200 in value when you enroll in the TD New to Canada Banking Package and open a new TD Direct Investing Account. $200 is based on the combined total value of:
- Up to $100 in value from 10 commission-free trades (Up to $9.99 per trade).
- Up to $100 in the first year of maintenance fees rebated.
- Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory at time of opening new account. This offer begins on June 4, 2026 and ends on October 1, 2026. Please see the complete terms and conditions below for eligibility.
- Bundle Offer14: Earn $150 in cash when a New Chequing Account customer opens a New Savings Account AND applies and is approved for a new TD Credit Card14, and completes the qualifying criteria described in the Bundle Offer below14.
All amounts are in Canadian dollars. Other conditions may apply.
2 For all New to Canada Banking Package offers, you must first qualify for the package by following these steps:
- Visit a TD branch and let us know that you are a newcomer in Canada, which means you are a Permanent Resident or Temporary Resident of Canada for 5 years or less.
- Provide proof of your status through your:
- Permanent Resident Card,
- Confirmation of permanent residence (e.g., IMM Form 5292), or
- Temporary Permit (e.g., IMM Form 1442, 1208, 1102)
- And provide 1 of the following pieces of personal identification:
- Valid passport
- Canadian driver’s license
- Government of Canada identification card
Other proof of residency or personal identification may be accepted or required at our discretion.
Eligibility Restrictions:
- You must be the age of majority at time of account opening in your province or territory of residence to be eligible for the New to Canada Banking Package.
- Customers who are tourists or visitors (visitor visa/permit) are not eligible for the New to Canada Package.
We reserve the right to change, extend or withdraw this offer at any time.
3 TD Unlimited Chequing Account Rebate Offer: A TD Unlimited Chequing Account (“New Chequing Account”) must be opened to qualify for the monthly account fee rebate. The monthly account fee will only be rebated for the first 12 months that the New Chequing Account is open and is limited to one account per person and the type of chequing account cannot change during the 12-month period. The monthly account fee rebate only applies to the regular/pro-rated monthly fee; all other fees will continue to apply. If the minimum monthly balance is maintained in the New Chequing Account in any given month during the first 12 months that the account is open and the monthly account fee is not charged, no monthly account fee rebate will be applied for that month. For details on fees, please see: https://www.td.com/ca/en/personal-banking/products/bank-accounts/accounts-fees.
4 TD Unlimited Chequing Account Cash Offer: The TD Unlimited Chequing Account Offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $500 in cash by opening a new TD Unlimited Chequing Account ("New Chequing Account") and completing the required activities:
1. Open a New Chequing Account
A New Chequing Account must be opened between June 4, 2026 and October 1, 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 December 2, 2026:
i. Receive a recurring Direct Deposit from an employer, pension provider or the 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.
ii. Make an Online Bill Payment of at least $50 through TD EasyWeb or the TD app.
iii. 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 Debit
Eligibility Restrictions:
This offer is not available to:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
- Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who received any Chequing Account offers from TD in 2024, 2025, 2026; or
- 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:
- 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.
Additional Terms & Conditions:
- 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 (TD Unlimited Chequing Account Offer) 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.
For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.
5 TD Savings Account – Earn 4.00% Bonus Interest Rate for 90 Days Offer:
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 TD Savings Account Offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. To qualify, you must:
- Open a New Chequing Account
Open a 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 (each a "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:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
- Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account as of June 3, 2026;
- Customers who had a TD Savings Account that was closed on or after June 4, 2025;
- Customers who received any TD Savings Account offer from TD in 2024, 2025, 2026; or
- 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.
Additional Terms & Conditions:
- 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.
- There may be tax implications associated with the Bonus Savings Interest. 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.
6 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer: This Offer starts on June 4, 2026 and ends October 1, 2026 (the "Offer Period"). To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Platinum* Card account (“Account”) by October 1, 2026, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business) in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 10,000 bonus Aeroplan points ("Additional Bonus"), if $1,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 90 days of Account opening and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card by October 1, 2026 and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account by October 1, 2026. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
7 Offer ends October 1, 2026. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:
- $124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;
- $400: 20,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card.
- Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,500 within 90 days of Account opening.
Value is based on the majority of current Aeroplan Cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 1, 2025. Redemption calculation is based on actual flight redemptions made by Cardholders between the period of Nov 8, 2020 – Sept 1, 2025.
8 Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in Good Standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions). For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy.
9 TD Cash Back Visa* Card Offer Terms & Conditions:
Annual interest rates, fees and features are current as of June 4, 2026 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on June 4, 2026 and ends October 1, 2026 ("Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by October 1, 2026. You may qualify to earn up to a total value of $150 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $150 in Cash Back Dollars when you spend $1,500+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $150 Cash Back Dollar to the TD Cash Back Visa* Card, you must make $1500 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $150 Cash Back Dollar offer is available to New to Canada customers, who:
- Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
- Does not have an existing TD Credit Card Account.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.td.com/agreements.
12 TD Global Transfer Offer Terms & Conditions: The New to Canada TD Global Transfer offer is available to individuals who meet the eligibility of the New to Canada Banking Package and open a TD Unlimited Chequing Account (“the New Chequing Account”). Starting the month the New Chequing Account is opened, Western Union® Money TransferSM fees charged to the New Chequing Account will be credited back to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Chequing Account using the following transfer methods are eligible for the offer:
(i) Western Union® Money TransferSM
The Western Union® fee amount is dependent on the amount sent. The New Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other third-party fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/accounts-fees.
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
13 TD Direct Investing Offer Terms and Conditions: New TD Direct Investing clients can earn up to 10 free trades (up to $9.99 per trade) and have maintenance fees rebated for the first year (up to $25 per calendar quarter). This offer begins on June 4, 2026 and ends on October 1, 2026. Please see the complete terms and conditions below for eligibility.
How to Qualify for the Offer:
- Must be enrolled in the New to Canada Banking Package. Confirm enrollment by visiting a TD Canada Trust branch or by calling EasyLine at 1-866-222-3456.
- Must be a new TD Direct Investing client when opening a NEW TD Direct Investing account ("New Account") by October 1, 2026.
- Must be the age of majority in their province or territory at time of account opening.
- Must be a legal resident of Canada.
Eligible "Accounts" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)20
- Tax-Free Savings Account (TFSA)17
- Registered Retirement Savings Plan (RRSP)17
- First Home Savings Account (FHSA)17
Accounts not eligible for the Offer:
- All other TD Direct Investing account types are not eligible
- TD Easy Trade™ accounts
Free Trade Details:
- The 10 commission-free trades are available during the initial twelve months after the account is opened.
- Canadian trade commissions will be rebated to a maximum of $9.99/trade CAD; Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Rebates apply only to self-serve online trades for full or partial share trades; phone trades with an Investment Representative are excluded. Commission rebates cover Canadian and U.S. equity, ETF, and option trades with commission charges. For options, only the flat commission is rebated; per-contract fees still apply. Fixed income, mutual funds, trades outside U.S./Canada markets, and new issues do not qualify for this offer.
- TD Direct Investing applies commission rebates for eligible trades to new Accounts by the last business day of each month, beginning the month after Account opening. If the last day falls on a holiday, rebates are processed within the next two business days.
Maintenance Fee Rebate Details:
- Should a quarterly maintenance fee be charged, the fee will be reimbursed on a quarterly calendar basis (up to $25 per quarter) during the first year following the Account opening.
Further Terms and Conditions:
- This offer may not be combined with any other promotions, except as expressly stated in the terms and conditions of those offers
- Employees of TD Bank Group are not eligible for this offer.
- This offer may be changed, extended or withdrawn at any time without notice.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- The Offer is not transferable.
14 Bundle Offer:
The $150 cash offer is available to individuals who meet the eligibility requirements of the New to Canada Banking Package. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a New Savings Account and an eligible new TD Credit Card, and completing the required activities within the specified timelines:
1. Open a New Chequing Account
Open a New Chequing Account between June 4, 2026 and October 1, 2026, and
2. Open a New Savings Account and Complete One Activity
- Open a 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 Chequing Account opening:
- Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or - Set up Simply Save.
- Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
3. 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 (a "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:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of June 3, 2026;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after June 4, 2025;
- Customers who open a New Chequing Account on or after June 4, 2026, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account as of June 3, 2026;
- Customers who had a TD Savings Account that was closed on or after June 4, 2025;
- Customers who received any Savings Account offer from TD in 2024, 2025, 2026; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
- Customers who are a Primary Cardholder of a personal TD Credit Card as of June 3, 2026.
- Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
Fulfillment:
- The $150 cash offer 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.
Additional Terms & Conditions:
- 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 (Bundle Offer) per New Savings Account and New Eligible TD Credit Card.
- Limit of one $150 cash offer 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.
15 The TD app and the TD MySpend app are free to download; however standard wireless carrier message and data rates may apply.
16 You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.
17 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
20 Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. An investment strategy that uses borrowed money could result in far greater losses than an investment strategy that does not use borrowed money.
§ For more information about transactions and a complete list of account fees and other service fees, see About our Account and Related Services.
† You may pay a fee to the ATM provider.
∞ No transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
◊For more information about transactions and a complete list of account fees, click here for Account and Other Related Service Fees. For information on our general services, please view our General List of Services.
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