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  Chequing
  
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You’re opening a TD All-Inclusive Banking Plan

Monthly fee: $29.95

You can also open additional accounts and services at this time.

No thanks, continue with my current application

Before applying, consider adding:

TD Growth™ Savings Account

Get a savings account that offers  tiered interest rates  for higher balances.

See account details

Additional Offer

Key features:

Eligible TD Chequing customers¹ can earn a Boosted™ rate ¹ that grows as your savings grow – not a limited time offer!¹
$0 monthly fee
Automated savings - transfer funds to your savings account on your own schedule
Enjoy unlimited, free transfers to all of your TD deposit accounts.²

Overdraft Protection Service

Cover occasional shortfalls from transactions that may occur in your chequing account up to an approved limit.

Choose an Overdraft Protection Option:

Monthly ($5 per month). Pay one monthly fee regardless of how often you use overdraft (plus 21% interest per year on overdrawn amount). Fee may vary for different TD Chequing Accounts^3,4, 5.

Pay As You Go ($5 per use). Only pay when you use overdraft. The most you’ll pay in one day is $5, plus 21% interest per year on overdrawn amount. (Not available on US Dollar chequing accounts or chequing accounts in the province of Quebec)

Add and continue

No thanks, continue with only the TD All-Inclusive Banking Plan

Have a question? Find answers here

Popular questions

Deposit Insurance

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

New to TD Bank Summer Offer Program 2024 (Terms and Conditions)

Calculating up to $600 in cash

§ Up to $600 is calculated as follows: Offer 1: $400 cash + Offer 2: $200 cash = $600 total cash value

Offer 1) Earn $400 in cash upon opening a new TD Unlimited Chequing Account or TD All-Inclusive Banking Plan (the "New Chequing Account") between June 4, 2024, and September 26, 2024, by completing the qualifying criteria in accordance with Offer 1 below.

Offer 2) Earn $200 based on a $10,000 balance in the New Savings Account, when a New Chequing Account customer opens a new TD ePremium Savings Account or TD Every Day Savings Account (the "New Savings Account") by September 26, 2024, and meets the qualifying criteria as set out in accordance with Offer 2 below.

Offer 1: Chequing Account $400 Cash Terms and Conditions

^†The $400 cash offer is available to Canadian residents that do not have an existing TD Chequing Account, that are the age of majority at time of account opening in their province or territory who:

(a) Open a TD Unlimited Chequing Account or TD All-Inclusive Banking Plan between June 4, 2024, and September 26, 2024.

(b) Complete any two of the following with the New Chequing Account:

Set up a recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before November 30, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.
Make an Online Bill Payment through TD EasyWeb or the TD app, minimum $50 before November 30, 2024.
Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the New Chequing Account before November 30, 2024. Pre-Authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debit.

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

The following are not eligible for the $400 cash offer:

Customers who already have a TD Chequing Account that was closed on or after June 4, 2023; or
Customers who received any Chequing Account offers from TD in 2021, 2022, 2023; or
TD staff members or any TD customers who have a joint account with a TD staff member.

For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $400 cash offer per New Chequing Account. Limit of one $400 cash offer per customer.

The $400 will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. 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, and the type of account cannot have changed, before the $400 is deposited into the New Chequing Account.

We can change, extend, or withdraw the $400 cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the TD New to Canada Banking Package. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.

Offer 2: Savings Deposit Offer Terms and Conditions

^◊ The $200 is based on a $10,000 balance in the New Savings Account.

The cash offer is available to Canadian residents that are the age of majority at the time of the New Savings Account opening in their province or territory.

To earn between $50 to $1,000 in cash for the New Savings Account, a New eligible TD Chequing account customer must:

(a) Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account between June 4, 2024, and September 26, 2024, and

(b) Open a new TD ePremium Savings Account or TD Every Day Savings Account (the New Savings Account) within 30 days of the New Chequing Account opening, and

(c) Deposit or transfer a minimum of $2,500 or more directly into the New Savings account from another financial institution(s) within 30 days of the New Savings Account opening AND maintain the balance for 150 days.

(d) The balance of the New Savings Account at the end of the 30 days will be the "Qualifying Balance" that will be eligible to earn the cash offer noting:

Transfers originating from existing TD accounts do not qualify for the cash offer;
The cash offer will be awarded based on the cash amount transferred into the New Savings Account for a maximum of $1,000 in total per eligible customer:

Savings Tiered Offer

Cash Tier Minimum	Cash offer
$2,500	$50.00
$5,000	$100.00
$10,000	$200.00
$25,000	$500.00
$50,000	$750.00
$100,000+	$1,000.00

If a customer withdraws or transfers out of the New Savings Account at any time after the 30 days, such amounts will be subtracted from the Qualifying Balance. The customer may still be eligible to earn a lower cash offer, provided the customer meets a Cash Tier Minimum for the 150 days.

The up to $1,000 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 and New Savings Account is still open, in good standing, with all conditions continuing to be met.

The following are not eligible to earn the up to $1,000 cash offer:

Customers who already had a TD Chequing Account that was closed on or after June 4, 2024,
Customers who already have a TD Savings account as of June 4, 2024
Customers who had a TD Savings account that was closed on or after June 4, 2023,
Customers who received any Savings account offer from TD in 2021, 2022, 2023; or
TD staff members or any TD customers who have a joint account with a TD staff member.

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. Maximum offer of up to $1,000 per New Savings Account. Maximum offer of up to $1,000 per customer. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the up to $1,000 cash offer at any time

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 $5 monthly fee for TD Chequing Accounts: TD Minimum Chequing Account, TD Every Day Chequing Account, TD Unlimited Chequing Account and TD All-Inclusive Banking Plan.

⁴$4 monthly fee for Monthly Plan Overdraft Protection (MODP) service on P60 & Preferred Chequing Account

⁵ There are no MODP fees on the TD Student Chequing Account, TD U.S. Daily Interest Chequing Account, TD Borderless Plan and TD Minimum Chequing Account with a Student, Seniors or Registered Disability Savings Plan chequing account fee rebate.

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

TD Growth™ Savings Account Details

Account Fees


Service	Fee
Monthly Fee	$0
Transaction fee¹	$5.00 each
Free Online Transfers²	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

¹ 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® and no transaction fees for pre-authorized transfer services from this account to another TD chequing or savings account. All other transfers between accounts are treated as Debit Transactions.

² 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.

³ 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.

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