About our accounts and related services ... - TD Canada Trust
TD Canada Trust About our accounts and related services
Effective Date: May 24, 2022
TD offers a wide range of accounts with the convenience and flexibility to meet your needs. Whether it's digital, over the phone or in-person, with TD you choose when, where and how you would like to bank with us. Below and on the following pages, are details about the features of our accounts, the services available and applicable fees.
TD Chequing Accounts TD Savings Accounts
TD Minimum Chequing Account
TD Student Chequing Account
TD Every Day Savings Account
TD High Interest Savings Account
TD Wealth Private Banking Accounts
Chequing Account
Savings Account
U.S. Dollar Accounts
U.S. Daily Interest Chequing Account Borderless Plan
TD Every Day Chequing Account
TD Unlimited Chequing Account
TD All-Inclusive Banking Plan
TD ePremium Savings Account
U.S. Dollar Account
TD offers other foreign currency accounts. Please see page 5 for more information.
Access to your account when, where and how you choose to bank with us
? More convenience with longer branch hours at many of our branches. ? 24/7 access through EasyWeb Internet Banking, TD EasyLine
Telephone Banking and the TD app.
? Access to over 4,000 TD ATMs across Canada and US.
Convenient banking services you can choose to use with your TD account
? Make purchases almost anywhere with a TD Access Card for your
Canadian dollar account.
? Send money electronically using Interac e-Transfer?, TD Global
TransferTM or wire payments.
? Have a cheque certified. ? Obtain a bank draft. ? Purchase foreign currencies.
Digital banking benefits
? 24/7 access to EasyWeb Internet Banking and the
TD app. Enjoy the security of the TD Online and Mobile Security Guarantee.
? Receive notification of suspicious account activity using
TD Fraud Alerts.
? Use your smartphone for in-store purchases in Canada
using mobile wallet apps, such as Apple Pay.
? Receive online account statements and access to your
account details.
? Use our personal expense management tool through the
TD MySpend app.
? Deposit cheques using TD Mobile Deposit on your
smartphone.
? Pay bills online or using the TD app.
General information about fees
Monthly fees For some of our accounts, you'll pay a monthly fee, no matter how much or how little you use the account. However, for some of our accounts we will refund the fee if you keep a set minimum balance in your account at the end of each day in the month.
Service fees There are many optional banking services that you can choose to use with a TD account. Most services have a service fee that you pay in addition to any transaction fees that apply. Please see the TD Service Fee Schedule on page 6 for a list of the services you may choose to use with your account and the applicable service fee.
Transaction fee For some of our accounts, you pay a transaction fee for each transaction that takes money out of your account. For these accounts, you can complete a set number of transactions where we will not charge you a transaction fee. After that, you will pay a transaction fee. Some examples of transactions include withdrawals, cheques, bill payments, purchases using your TD Access Card, pre-authorized payments.
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TD Chequing Accounts
Digital, telephone and in-person banking services included with every TD Chequing Account:
? 24/7 access to EasyWeb Internet Banking and the TD app.
Enjoy the security of the TD Online and Mobile Security
Guarantee.
? Use your smartphone for in-store purchases in Canada using
mobile wallet apps, such as Apple Pay.
? Use our personal expense management tool through the
TD MySpend app.
? Deposit cheques using TD Mobile Deposit on your
smartphone.
? Receive online account statements and access to your account
details and images of the cheques you've written that have been
cashed.
? Longer hours at many of our branches. ? Access to over 4,000 TD ATMs across Canada and US.
Account name
TD Minimum Chequing Account
TD Student Chequing Account
Monthly fees
Number of transactions included per month and transaction fees
$3.95
12 transactions
$0...................... Seniors (60 years or older) But only 2 transactions a month can be
collecting Guaranteed Income Supplement done at a TD branch or with an
EasyLine Telephone banking
$0...................... Beneficiaries of Registered representative without paying a
Disability Savings Plan
transaction fee.
$1.25 for each additional transaction
No monthly fee if you maintain the following balance at the end of each day of the month
N/A
$0
Unlimited transactions
N/A
No transaction fees
The TD Student Chequing Account is available to you until you turn age 23. You can continue to keep your account at or after age 23 with proof of enrollment in full-time post-secondary education. At age 23 or after your specified graduation date (unless you re-apply and provide proof of enrollment), we will convert your TD Student Chequing Account to a TD Minimum Chequing Account, TD Every Day Chequing Account, or TD Unlimited Chequing Account.
TD Every Day Chequing Account
$10.95
25 transactions
$8.20................. Seniors (60 years or older) $1.25 for each additional transaction
$3,000
TD Unlimited Chequing Account
$16.95
Unlimited transactions
$11.95............... Seniors (60 years or older) No transaction fees
$4,000
TD All-Inclusive Banking Plan
$29.95
Unlimited transactions
$22.45............... Seniors (60 years or older) No transaction fees
$5,000
TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6.
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TD Savings Accounts
Digital, telephone and in-person banking services included with every TD Savings Account:
? 24/7 access to EasyWeb Internet Banking and the TD app.
Enjoy the security of the TD Online and Mobile Security Guarantee.
? Use your smartphone for in-store purchases in Canada using
mobile wallet apps, such as Apple Pay.
? Use our personal expense management tool through the
TD MySpend app.
? Deposit cheques using TD Mobile Deposit on your
smartphone.
? Receive online account statements and access to your account
details.
? Longer hours at many of our branches. ? Access to over 4,000 TD ATMs across Canada and US.
Account name
TD Every Day Savings Account
TD High Interest Savings Account TD ePremium Savings Account
Transaction fees
1 transaction included per month $3 for each additional transaction 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? $5 for each transaction
No transaction fees if you maintain the following balance at the end of each day of the month
N/A
$25,000
$5 for each transaction
N/A
No transaction fees for transfers from this account to another TD
chequing or savings account when using EasyWeb Internet
Banking or the TD app, except for transfers by cheque or through Interac e-Transfer?
No transaction fees for pre-authorized transfer services from this account to another TD chequing or savings account.
TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6.
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TD Wealth Private Banking Accounts
For the Canadian Chequing and Savings Accounts, the following digital, telephone and in-person banking services are included:
? 24/7 access to EasyWeb Internet Banking and the TD app.
Enjoy the security of the TD Online and Mobile Security Guarantee.
? Use your smartphone for in-store purchases in Canada using
mobile wallet apps, such as Apple Pay.
? Use our personal expense management tool through the
TD MySpend app.
? Deposit cheques using TD Mobile Deposit on your
smartphone.
? Receive online account statements and access to your account
details.
? Access to over 4,000 TD ATMs across Canada and US.
Account name
Chequing Account Savings Account U.S. Dollar Account
Monthly fee
$100
For the monthly account fee, you can have up to three Private Banking Accounts - Chequing, Savings and US Dollar account per household. A household can include: primary member, spouse, children, holding companies & trusts.
Number of transactions included per month and transaction fees
Unlimited transactions
No transaction fees
TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6.
U.S. Dollar Accounts
Account name
Monthly fees
Transaction fees
U.S. Daily Interest Chequing Account
Borderless Plan
US$0
US$1.25 each
No transaction fees if you have US$1,500 or more in your account at the end of each day in the month
US$4.95
US$1.95 if customer also has a TD All-Inclusive Banking Plan throughout the entire month
Unlimited transactions
No monthly fee if you maintain the following balance at the end of each day of the month
N/A
US$3,000
Banking via ATM machines and debit payment purchase is not available. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6.
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Other Foreign Currency Accounts
Foreign Currency Account (currency of the Account)
Monthly fees
Australian Dollar (AUD) Great Britain Pound (GBP) Hong Kong Dollar (HKD) New Zealand Dollar (NZD) Euro (EUR) Swiss Franc (CHF) Japanese Yen (JPY)
AU$2.5 ?1.5 HK$15 NZ$3 EUR 1.75 CHF 2 ?250
No monthly fee if you maintain the following balance at the end of each day of the month
AU$500
?300
HK$3,000
NZ$550
N/A
N/A
N/A
Unlimited transactions and no transaction fees. Banking via ATM machines, EasyWeb Internet Banking, the TD app, and debit payment purchase is not available. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6.
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