Legal

¹ TD Growth Savings Account Boosted Rate (Terms and Conditions)

TD Growth Savings Account customers can earn the Boosted Rate instead of the Standard Posted Rate on balances of $5,000 or more with an eligible TD Chequing Account and by completing at least two of three Qualifying Monthly Transactions from an eligible TD Chequing Account each month.

TD Growth Savings Account customers can become eligible in the current month to earn and receive the Boosted Rate on balances of $5,000 or more in the following month.

Step 1: Have an eligible TD Chequing Account

Eligible TD Chequing Accounts include:

TD Unlimited Chequing Account
TD All-Inclusive Banking Plan
TD Wealth Private Banking Chequing Account

Step 2: Complete two out of three Qualifying Monthly Transactions

Two of the three Qualifying Monthly Transactions must be completed from an eligible TD Chequing Account by the last day of the current month, to earn and receive the Boosted Rate on balances of $5,000 or more in the TD Growth Savings Account in the following month.

The Qualifying Monthly Transactions can be completed from one or more eligible TD Chequing Account(s) and at least one account holder must be the same as an account holder of the TD Growth Savings Account.

Qualifying Monthly Transactions include:

Direct Deposit from an employer, pension provider or the Government.
Online Bill Payment through TD EasyWeb or the TD app.
Pre-Authorized Debit payment.

Whether or not a recurring Direct Deposit is acceptable is subject to our approval.

The Boosted Rate is applied instead of the Standard Posted Rate on balances of $5,000 or more with an eligible TD Chequing Account and by completing at least two of three Qualifying Monthly Transactions from an eligible TD Chequing Account each month.

The Boosted Rate is applied to balances of $5,000 or more in the TD Growth Savings Account and paid on the last business day of the following month from when the customer becomes eligible. The TD Growth Savings Account must remain open the entire month including the last business day to receive the Boosted Rate.

Joint Accounts

For any TD Growth Savings Account that is a joint account, at least one account holder on the TD Growth Savings Account must be the same as an account holder of an eligible TD Chequing Account(s) and complete at least two of three Qualifying Monthly Transactions.

The Boosted Rate is calculated in the same way as the Standard Posted Rate.

The terms of the Boosted Rate Eligibility may be changed, extended, or withdrawn at any time.

² 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.

³ 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.

⁴ 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.

Interest rates, fees and features are effective as of November 6, 2025, unless otherwise indicated, and are subject to change. 

⁵ The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program. 

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 November 8, 2020 – September 1, 2025. 

 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. 

Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to an 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

⁶ Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder. 

Quebec Only:

Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month. 
Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month. 
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). 
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. 
Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$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

⁷ A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions. 

⁸ The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS program membership application fee (new and renewal), whether or not the applicant is approved for membership in the NEXUS program (each, a "NEXUS Statement Credit"). There is a maximum of four (4) NEXUS Statement Credits available when a qualifying NEXUS program membership application fee is posted to the Account in any given 48-month period and the number of available NEXUS Statement Credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS program membership application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS program membership application fee is posted to the Account. To be eligible for the NEXUS Statement Credit, the Account must be in good standing at the time the NEXUS program membership application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not involved with or responsible for the NEXUS program.

⁹ TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub.

¹⁰ Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

¹¹ Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time must be for a minimum amount of $25, unless otherwise stated. Cash Back Dollars will continue to accrue until redemption instructions are provided. For more details on how to redeem Cash Back Dollars, please see the "TD Cash Back Program Terms and Conditions" available at td.com/agreements.

Interac e-Transfer® is a registered trade-mark of Interac Corp. Used under licence.

Service	Fee
Monthly Fee	$0
Transaction fee¹	$5.00 each
Free Transfers to your other TD accounts²	Unlimited
Non-TD ATM Fee (in Canada)³	$2.00 each
Foreign ATM Fee (in U.S., Mexico)³	$3.00 each
Foreign ATM Fee (in any other foreign country)³	$5.00 each
Paper Statement	$2.00 per month

Service	Fee
Annual Fee	$139
Interest: Purchases	21.99%
Interest: Cash Advance	22.99%
Interest: Cash Advance (Quebec only)	21.99%
Additional Cardholder⁶	$75

Service	Fee
Annual Fee	$139
Interest: Purchases	21.99%
Interest: Cash Advance	22.99%
Interest: Cash Advance (Quebec only)	21.99%
Additional Cardholder⁶	$50

You’re opening a TD All-Inclusive Banking Plan

TD Growth™ Savings Account

TD® Aeroplan® Visa Infinite* Card

TD Cash Back Visa Infinite* Card

Have a question? Find answers here

Popular questions

Helpful related questions

Did you find what you were looking for?

Deposit Insurance

See you in a bit

Legal

TD Growth™ Savings Account Details

Account Fees

TD® Aeroplan® Visa Infinite* Card

Credit Card Fees

TD Cash Back Visa Infinite* Card

Credit Card Fees