2 Calculating $850 TD International Student Banking Package Valuation.
The up to $850 in value (rounded down value from $855) is based on the combined total value of:
- $125 Cash Offer when you start by opening a new TD Student Chequing Account3 AND
Complete any three of the following with your new TD Student Chequing Account before January 31, 2025
1. Set up a recurring direct deposit from your employer or the Government.
2. Make an online bill payment of at least $50 through EasyWeb or the TD app.
3. Use Interac e-Transfer® through EasyWeb or the TD app to send or receive at least $50,
4. Make an online purchase using your TD Access Card with Visa* Debit.
5. Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account
6. Apply, be approved for and add Overdraft Protection Service on your new TD Student Chequing Account (TD Monthly Overdraft Protection monthly fee is waived for TD Student Chequing Account holders)
- Up to $60 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by October 31, 2024.5 Conditions apply.5^ Eligible for students only.
- Eligible students can earn up to $200 in value6 in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. 6
- Save up to $360 annual value based on two money transfers per month for 12 months using TD Global Transfer™ at a fee of $15 per transfer. You must meet the qualifying criteria in accordance with Offer below7. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.7
- Get a $50 Amazon.ca Gift Card8 if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer3; (b) open a new TD Every Day Savings Account, a TD ePremium Savings Account or a TD High Interest Savings Account by October 31, 2024 and complete the qualifying criteria8 by January 31, 2025; and (c) Open an eligible Credit Card8 by October 31, 2024 and meet the qualifying conditions in accordance with the $50 Amazon.ca Gift Card Offer8
- $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)9
TD Student Chequing Account $125 Cash Offer Terms and Conditions:
To be eligible for the for the $125 Cash Offer, customers must:
1) Open a TD Student Chequing Account between May 7, 2024, and October 31, 2024 (the “New Account”), and
2) Complete any three of the following with the New Student Chequing Account before January 31, 2025:
(i) Set up a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Chequing Account by January 31, 2025. 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 through EasyWeb or the TD app, minimum $50 by January 31, 2025;
(iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by January 31, 2025;
(iv) Make an online purchase using your TD Access Card with Visa* Debit by January 31, 2025. Regular transaction fees may apply, see About Our Accounts and Related Services for more information;
(v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Chequing Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2025. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or
(vi) Apply, be approved and add Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As You Go Overdraft Protection is not available for Quebec residents) to your new TD Student Chequing Account by January 31, 2025. For any new TD Student Chequing Account that is a joint account, all account holders on the new TD Student Chequing Account must meet the Overdraft Protection eligibility requirements.
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
The following are not eligible for the $125 Cash offer:
(i) Customers who already have a TD chequing account that was closed on or after May 7, 2023; or
(ii) Individuals who received any chequing account offer from TD from 2021 to 2023; or
(iii) TD staff members or a joint account with a TD staff member.
For any new TD Student Chequing Account that is a joint account, at least one account holder on the new TD Student Chequing Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per new TD Student Chequing Account. The $125 Cash Offer will be deposited to the New TD Student Account within 12 weeks of all conditions being met, provided that the new TD Student Chequing Account is still open, in good standing, with all conditions continuing to be met. We can change, extend, or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
TD Everyday Savings Account 1.00% Interest Rate Bonus for 3 months Terms & Conditions: Savings Account bonus offer only applies to a TD Every Day Savings Account that is opened by customers who open the New Chequing Account (the "New Savings Account"). Bonus offer is limited to 1 eligible savings account per person and the type of savings account cannot change during the Offer Period. The bonus rate is in addition to the posted interest rate on the savings account and will be applied to the savings account commencing no later than 10 business days after the customer has accepted the TD International Student banking package and will be effective for 3 months thereafter (“Offer Period”). During the Offer Period, your New Savings Account is not eligible for any other offer. Regular posted interest rates will apply after the end of the Offer Period. Bonus interest will be calculated separately and paid monthly. Interest rates are subject to change without notice. All interest rates are per annum. For details on rates, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/account-rates/
TD Cash Back Visa* Card Offer Terms and Conditions:
Annual interest rates, fees and features are current as of May 7, 2024 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on May 7, 2024 and ends October 31, 2024 (the "Offer Period") and is only available to those student Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by October 31, 2024. Offer consists of two parts that students may qualify for separately: a Mobile Purchase Bonus and a Cash Back Bonus
1) Mobile Purchase Bonus: Earn $10 Cash Back Dollars when you add your new TD Cash Back Visa* Card (opened during the Offer Period) to your mobile wallet and make a mobile Purchase within the first 5 months. Eligible Purchases for the Mobile Purchase Bonus: Purchases must be charged to the Account at any merchant that accepts Apple Pay, Google Pay, or Samsung Pay during the Offer Period. Purchases made using any other method of payment will not qualify.
2) Cash Back Bonus: Earn $10 Cash Back Dollars for every statement cycle when you spend $200 or more on your TD Cash Back Visa* Card for the first 5 months, up to a maximum of $50 Cash Back Dollars. The total earned bonus will be a one-time payout.
Purchases made during a statement cycle but posted after the end of that statement cycle will not count towards eligible Purchases for that month and count towards eligible Purchases for the next statement cycle. For example, if your monthly statement cycle is from September 15 to October 14, a Purchase made on October 14 (Transaction date) and posts on October 15 (posting date) will not count for eligible Purchase for that month and will count towards spend in the next month's statement cycle. If the September 15 to October 14 period was your 6th monthly statement cycle, then the Purchase that was made on October 14 and posted on October 15 would not count towards this Offer.
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. 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 for the Mobile Purchase Bonus and/or Cash Back Bonus offers are fulfilled for the Cash Back Dollars to be credited 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.
This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card
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
|
20.99%
|
$1.73
|
$3.45
|
$17.25
|
Cash Advances
|
20.99%
|
$1.73
|
$3.45
|
$17.25
|
Purchases – Default Rate
|
25.99%
|
$2.14
|
$4.27
|
$21.36
|
Cash Advances – Default Rate
|
27.99%
|
$2.30
|
$4.60
|
$23.01 |
^ Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
TD Direct Investing Offer Terms and Conditions: Eligible students can earn up to $200 in value in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. Receive a Trade Rebate covering the initial first 10 trades ($9.99 per trade), along with a 50% rebate on subsequent trading fees and a rebate on maintenance fees ($25 per quarter). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory on May 7, 2024. The offer is available to all eligible students who are 25 years of age or under at the time of application. This offer begins on May 7, 2024 and ends on October 31, 2024. Please see the complete terms and conditions below for eligibility.
Trade and Maintenance Fee Reward Details: To qualify for the Trade and Quarterly Maintenance Fee rewards, a client must:
1. Be a new or existing TD Student Chequing account holder at time of opening a New TD Direct Investing account ("New Account"). The offer is available to all clients who are 25 years of age or under at time of application.
2. Open a New Account by October 31, 2024. A New Account may not be a TD Easy Trade™ account. The account type opened must be a single account holder: Cash, Tax Free Savings Account (TFSA), Margin, or Retirement Savings Account (RSP) account1. Locked-in registered, non-personal, joint, RESPs, RIFs and RDSP accounts do not qualify for this offer.
3. Place the first 10 commissionable trades in the New Account during the 12 month period starting from the date the New Account was opened to receive the full value rebate. Rebates apply only to self-serve trades placed electronically during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. Up to 10 commission rebates will be applied to Canadian and U.S. equity, ETF, and/or option trades which incur a commission charge. For options trades, the flat commission trade fee will be rebated, but the commission fee per contract will still apply. Fixed income, mutual funds, trades placed on markets which are not in the U.S. or Canada, and new issues are excluded from this promotional offer.
4. After the first 10 commission trades have been used or after 12 months since the TD Direct Investing account was opened, a 50% discount on subsequent commission trading fees will rebated. Discounts only apply to self-serve trades completed electronically. Discount will remain in place for as long as client is eligible.
5. If account is charged maintenance fees, they will be rebated to the account on a quarterly calendar basis.
6. Client must hold a TD Student Chequing account in good standing and be 25 years or under to continue qualifying for all discounts on the TD Direct Investing account.
7. If client turns 26 years of age during the first 12 months of account opening, rebate promotions will remain active until the end of the first 12 month period.
8. If client turns 26 years of age after 12 months since account opening, all promos and rebates will no longer be applied to the account.
9. Keep a TD Student Chequing account in good standing to receive all eligible rebates.
Clients requiring assistance to register or otherwise apply for this offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive commission rebates, and discounted trading fees, a participant must keep their New Account in good standing with TD Direct Investing. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable. TD Direct Investing account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust) to confirm student bundle eligibility. The option to link may be changed anytime by contacting TD Direct Investing.
- Employees of TD Bank Group are not eligible for this offer.
- The offer, rebates and discounts may be changed, extended, or withdrawn at any time without notice.
- This offer cannot be used in conjunction with any other TD Direct Investing offer.
- This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
- There may be tax implications associated with the commission rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the commission rebate is paid directly to the plan and is not considered a contribution.
- Up to 10 trade commissions will be rebated at full value and subsequent trades will be rebated at a discount of 50%. Please review our Fees & Pricing information available on our website.
- If trades are placed in CAD, the commission 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.
- Commission fees will be rebated to the New Accounts which were charged the commission on a first in first-out basis from the date the account is opened.
- Terms of trading fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to your Account on August 31, 2024 and then rebate eligible commissionable trades to your New Account by every last business day of the month (starting September 30th, 2024) for commissionable trades placed in the previous month. If last day of the month is a holiday, commission rebates will be applied within the next 2 business days.
- Terms of Maintenance Fee rebates: If the quarterly maintenance fee is charged to the account, it will be rebated back to the account on a quarterly calendar basis.
TD Global Transfer Offer Terms & Conditions: The unlimited TD Global Transfer transfer fee rebate offer for up to 12 months is available to individuals who qualify for the International Student Banking Package and open a New Account. During the period the New Chequing Account monthly account fees are waived (up to 12 months), a rebate of the transfer fee of the TD Global Transfer will be credited to the New Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, provided that the New Chequing Account is still open and in good standing. Rebates are only eligible for transfers completed from the New Account, using the following transfer methods:
(i) Western Union® Money TransferSM
(ii) Visa Direct
(iii) TD Global Bank Transfer
The TD transfer fee is up to $25. The transfer fee amount is dynamic and will vary depending on the amount being sent, the recipient country and the currency of the account funding the transaction.
Foreign exchange and other bank 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 http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp
For details of 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.
$50 Amazon.ca Gift Card Terms & Conditions: Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.
The Amazon.ca gift card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Account opening and provided all conditions have been met. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Amazon.ca Gift Cards awarded by any one person. Your TD account must be open, active and in good standing at the time the Amazon.ca Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card. To earn the limited-time Amazon.ca Gift Card offer, you must complete all three conditions below:
1) Open a New Account between May 7, 2024, and October 31, 2024 and complete any three of the following with the New Account before August 5, 2024:
(i) Set up a Recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by January 31, 2025. 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 through EasyWeb or the TD app, minimum $50 by January 31, 2025.
(iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by January 31, 2025.
(iv) Make an online purchase using your TD Access Card with Visa*Debit by January 31, 2025. Regular transaction fees may apply, see About Our Accounts and Related Services for more information.
(v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2025. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or
(vi) Apply, be approved and add Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As you Go Overdraft Protection is not available for Quebec residents) to your New Account by January 31, 2025. For any New Account that is a joint account, all account holders on the New Account must meet the Overdraft Protection eligibility requirements.
2) Open a New Savings Account by October 31, 2024, and complete one of the following with the New Savings Account:
(i) Set up a Pre-authorized Transfer Service with your first transaction processed by January 31, 2025. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
(ii) Set up Simply Save with your first transaction processed by January 31, 2025.
3) Apply for, be approved, and activate a new TD Cash Back Visa* 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 Cash Back Visa Infinite* Card, or TD Low Rate Visa* Card (a "new TD Credit Card") by October 31, 2024. Your new TD Credit Card must be open, active and in Good Standing at the time the Amazon.ca Gift Card is issued.
Accept the offer by the date presented in the email, confirming qualification to receive the Amazon.ca Gift Card.
Customers who are a Primary Cardholder of a Personal TD Credit Card as of May 6, 2024 will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the last 6 months.
Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
Interac e-Transfer® is a registered trademark of Interac Corp. Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
The Toronto-Dominion Bank is the issuer of the TD Cash Back Visa* Card.
Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Visa* is a registered trademark of Visa International Service Association, used under license.
The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.