TD Canada Belief is one among Canada’s largest and hottest banks, providing a variety of services via in-person and on-line banking.
On this information, we offer an summary of TD’s checking account and bank card portfolio, with hyperlinks to extra in-depth articles on particular merchandise and different key info.
Chequing and Financial savings Accounts
TD has 4 private chequing accounts and three private financial savings accounts, which we’ll go over on this part.
When contemplating which kind of account to open, it’s vital to consider your banking priorities and preferences, and the way you have a tendency to make use of and entry your account.
TD additionally typically has promotional affords once you join a selected account or a number of accounts collectively that may garner you a money bonus, greater rates of interest on financial savings, and different perks (e.g., merchandise).
Chequing Accounts
Chequing accounts are the most effective day-to-day account as they have a tendency to supply extra month-to-month transactions and decrease charges in comparison with financial savings accounts. Plus, they typically include perks akin to free Interac e-transfers and rebates on bank card annual charges.
To be taught extra, let’s have a look the important thing traits of every of TD’s private chequing accounts from the only to essentially the most complete:
TD Minimal Chequing Account
- Month-to-month payment: $3.95 (waived for seniors receiving the Assured Revenue Complement (GIS) and for Registered Incapacity Financial savings Plan beneficiaries)
- Included transactions: 12 (extra transactions = $1.25/every)
- Interac e-transfers: $0.50/every (for transactions as much as $100) and $1/every (for transactions above $100)
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Bank card annual payment rebate: None
- Greatest for: People with minimal banking wants
TD Each Day Chequing Account
- Month-to-month payment: $11.95 (waived if a $3,000 account stability is maintained); $8.20 for seniors over the age of 60
- Included transactions: 25 (extra transactions = $1.25/every)
- Interac e-transfers: Free
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Bank card annual payment rebate: None
- Greatest for: People who make fewer than 25 transactions per 30 days
TD Limitless Chequing Account
- Month-to-month payment: $17.95 (waived if a $4,000 account stability is maintained); $11.95 for seniors over the age of 60
- Included transactions: Limitless
- Interac e-transfers: Free
- ATM charges: $0 for all ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Bank card annual payment rebate: First 12 months annual payment rebate for an eligible TD bank card
- Greatest for: People who need the liberty of limitless transactions and who can reap the benefits of the bank card payment rebate
TD All-Inclusive Banking Plan
- Month-to-month payment: $30.95 (waived if a $6,000 account stability is maintained); $22.45 for seniors over the age of 60
- Included transactions: Limitless
- Interac e-transfers: Free
- ATM charges: $0 for all ATMs globally
- Bank card annual payment rebate: : Yearly annual payment rebate for an eligible TD bank card
- Further options: A small security deposit field (topic to availability) and free personalised cheques
- Greatest For: People who typically use non-TD ATMs and those that can reap the benefits of the annual bank card payment rebate and the extra product perks
Financial savings Accounts
TD additionally affords three financial savings accounts for purchasers trying to construct their financial savings whereas nonetheless having easy accessibility to their funds.
Let’s discover these three accounts and what makes every one distinctive.
TD’s financial savings accounts all pay variable curiosity that’s calculated each day and paid month-to-month. Charges change over time, and a few accounts have stability thresholds for incomes greater charges, so be sure you verify TD’s web site for the most recent numbers earlier than you apply.
TD Each Day Financial savings Account
- Month-to-month payment: $0
- Annual rate of interest: 0.010%
- Included transactions: One (extra transactions = $3/every)
- Transfers: Free to different TD deposit accounts
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Greatest For: People searching for a easy place to start out saving
TD Excessive Curiosity Financial savings Account
- Month-to-month payment: $0
- Annual rate of interest relying in your each day closing stability:
- $0–$4,999: 0.00%
- $5,000–$9,999: 0.50%
- $10,000–$99,999: 1.00%
- $100,000–$499,999: 1.30%
- $500,000 or extra: 1.50%
- Included transactions: Zero (transactions = $5/every, which is waived if a $25,000 account stability is maintained)
- Transfers: Free to different TD deposit accounts
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Greatest for: People searching for an easy-to-access financial savings account
TD ePremium Financial savings Account
- Month-to-month payment: $0
- Annual rate of interest relying in your each day closing stability:
- $0–$9,999: 0.000%
- $10,000 or extra: 0.550%
- Included transactions: Zero (transactions = $5/every)
- Transfers: Free to different TD deposit accounts
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Greatest For: People who can keep an account stability of $10,000 or greater
Moreover, for people who’ve newly immigrated to Canada, TD has created a particular supply referred to as the TD New to Canada Banking Bundle.
This supply supplies quite a lot of completely different monetary incentives once you open particular chequing and financial savings accounts, plus extra rewards-based incentives once you sign-up for a selected bank card.
Scholar Financial institution Accounts
TD affords one account particularly for youth (underneath the age of 23) and college students (of any age) who’re enrolled in full-time post-secondary schooling: the TD Scholar Chequing Account.
TD Scholar Chequing Account
- Month-to-month payment: $0
- Included transactions: Limitless
- Interac e-transfers: Free
- ATM charges: $2 for non-TD ATMs in Canada, $3 for overseas ATMs within the US and Mexico, and $5 for overseas ATMs in every other nation
- Bank card annual payment rebate: None
- Greatest for: People who’re underneath the age of 23 or who’re enrolled in a full-time post-secondary program
Moreover, TD has created a particular supply for younger college students who’re new to Canada: the Worldwide Scholar Banking Bundle.
Each the New to Canada Banking Bundle and the Worldwide Scholar Banking Bundle often include limited-time promos like money bonuses, present playing cards, and rebated TD World Switch charges. The precise combine adjustments, so verify TD’s present particular affords web page earlier than you apply.
US Greenback Accounts
TD has two US greenback accounts obtainable: the US Each day Curiosity Chequing Account and the Borderless Account.
These accounts are perfect for individuals who have banking wants in each Canada and the US as they permit you to simply alternate funds between the 2 nations at a aggressive fee.
The US Each day Curiosity Chequing Account has no month-to-month payment, making it a wonderful account if you end up sometimes in want of banking entry within the US.
Comparatively, the Borderless Account has a month-to-month payment of $4.95 (USD) which is waived if the account stability is $3,000 (USD).
This account enjoys a most popular alternate fee and supplies account holders with free US financial institution drafts and primary cheques. These options make it very best for frequent travellers to the US.
Take into account that these are Canadian-domiciled accounts, which implies you received’t be onboarded into the U.S. banking system. In different phrases, you received’t get entry to ACH transfers or the flexibility to pay U.S. billers like a real U.S.-based account would enable.
TD Credit score Playing cards
TD affords its purchasers a variety of non-public bank cards that present the chance to earn money again, Aeroplan factors, and TD Rewards Factors.
Money Again Credit score Playing cards
TD affords two money again bank cards: the TD Money Again Visa Infinite* Card and the TD Money Again Visa* Card.
These bank cards are perfect for individuals who just like the simplicity of money again rewards, which can be utilized to pay down your account at any time with a minimal of $25.
For an entry-level card, the TD Money Again Visa* Card has no annual payment and earns 1% money again grocery, gasoline & electrical automobile charging, public transit, recurring invoice funds, and streaming, digital gaming & media purchases, and 0.5% on different purchases.†
- Earn $10 money again† on first buy together with your card†.
- Earn an extra $40 money again† once you spend $1,500 within the first 3 months of account opening†.
- Earn 1% money again†on eligible grocery, gasoline, electrical automobile charging, public transit, recurring invoice funds, streaming, digital gaming, and media purchases†
- Then, earn 0.5% money again† on all different eligible purchases†
- No minimal revenue requirement
- Annual payment: $0
Comparatively, the TD Money Again Visa Infinite* has an annual payment of $139 however affords 3% money again on grocery, gasoline & electrical automobile charging, public transit, recurring invoice funds, and streaming, digital gaming & media purchases, and 1% on all the things else.†
TD Money Again Visa Infinite* Card
- Earn 10% money again† within the first three months, on as much as $3,500 spent on eligible groceries, gasoline, electrical automobile charging, public transit, recurring payments, streaming, digital gaming, and media purchases†
- Then, earn 3% money again† on eligible groceries, gasoline, electrical automobile charging, public transit, recurring invoice funds, streaming, digital gaming, and media†
- Free Deluxe TD Auto Membership Membership for roadside help†
- Minimal revenue: $60,000 private or $100,000 family
- Annual payment: $0 for the primary 12 months†, then $139
- Software have to be accepted on or after April 30, 2025 to obtain this supply
We’ve created particular person in-depth guides to each of those money again bank cards, the place yow will discover up-to-date affords and enrollment info – simply click on above to be taught extra.
Aeroplan Co-Branded Credit score Playing cards
For people trying to earn factors with Canada’s hottest and highly effective airline loyalty program, TD affords three private bank cards that earn Aeroplan factors on on a regular basis spending.
The three playing cards are: the TD® Aeroplan® Visa Platinum* Card, TD® Aeroplan® Visa Infinite* Card, and the TD® Aeroplan® Visa Infinite Privilege* Card.
These playing cards are nice selections for Aeroplan members trying to construct up their factors account stability to entry award flights, as every card comes with a welcome bonus and earns Aeroplan factors on on a regular basis spend.
The entry-level member of the TD Aeroplan co-branded card household is the TD Aeroplan Visa Platinum* Card. This card typically includes a beneficiant welcome bonus and comes with a couple of Air Canada perks.
This can be a nice card to contemplate you probably have a extra modest revenue or need to maintain prices down whereas nonetheless incomes factors in the direction of journey.
TD® Aeroplan® Visa Platinum* Card
- Earn 10,000 Aeroplan factors† upon first buy†
- Plus, earn 5,000 Aeroplan factors† upon spending $1,000 within the first three months
- Earn 1x Aeroplan factors† on eligible gasoline, electrical automobile charging, groceries, and Air Canada® purchases, together with Air Canada Holidays®†
- Most well-liked pricing on Air Canada® flights via Aeroplan†
- Annual payment: $89, rebated within the first 12 months†
- Supply obtainable for purposes accepted on or after September 4, 2025.
The TD® Aeroplan® Visa Infinite* Card is the subsequent degree up in TD’s Aeroplan bank card household.
Very like its Platinum counterpart, this card typically comes with a pleasant welcome bonus, and it additionally affords cardholders one free checked bag on Air Canada flights and a payment rebate in your NEXUS software.†
This card is an effective selection for people who journey typically and might reap the benefits of the associated perks.
TD® Aeroplan® Visa Infinite* Card
- Earn 10,000 Aeroplan factors† upon first buy†
- Plus, earn 15,000 Aeroplan factors† upon spending $7,500 within the first 180 days of account opening†
- Plus, earn an extra 20,000 Aeroplan factors† on renewal once you spend $12,000 inside 12 months of account opening†
- Earn 1.5x Aeroplan factors† on eligible gasoline, groceries, and Air Canada® purchases, together with Air Canada Holidays®†
- Most well-liked Aeroplan pricing and free checked bag on Air Canada® flights†
- Minimal revenue: $60,000 private or $100,000 family
- Annual payment: $139 (rebated for the primary 12 months)
- Supply obtainable for purposes accepted on or after September 4, 2025.
The third card within the TD Aeroplan household is the TD® Aeroplan® Visa Infinite Privilege* Card. Of TD’s three Aeroplan bank cards, this one will include the very best welcome bonus and essentially the most invaluable perks.
This card is good for people who don’t thoughts paying the excessive annual payment and for Air Canada frequent flyers who can maximize the utility of the related journey advantages, together with eUpgrade rollover and limitless Maple Leaf Lounge entry.
TD® Aeroplan® Visa Infinite Privilege* Card
- Earn 20,000 Aeroplan factors† upon first buy
- Plus, earn an extra 35,000 Aeroplan factors† upon spending $12,000 within the first 180 days
- Plus, earn a one-time anniversary bonus of 30,000 Aeroplan factors† upon spending $24,000 inside 12 months of account opening†
- Earn 2x Aeroplan factors† on eligible Air Canada® purchases, together with Air Canada Holidays®†
- Earn 1.5x Aeroplan factors† on eligible gasoline, electrical automobile charging, groceries, eating, journey, and transit purchases†
- Aeroplan most popular pricing, free checked bag, precedence check-in and boarding on Air Canada flights†
- Limitless Air Canada Maple Leaf Lounge† entry
- Visa Airport Companion Program membership with six free lounge visits per 12 months
- $100 partial rebate for the NEXUS software payment each 48 months†
- Minimal revenue: $150,000 private or $200,000 family
- Annual payment: $599
- Supply obtainable for purposes accepted on or after September 4, 2025.
Try our in-depth guides for these three Aeroplan playing cards to study up-to-date affords and enrollment info – simply click on the cardboard names above.
TD Rewards Credit score Playing cards
TD affords three bank cards that earn TD Rewards Factors on on a regular basis spending. TD Rewards is the financial institution’s personal rewards program, permitting purchasers to earn factors that can be utilized for journey, assertion credit, and present playing cards.
The three TD Rewards playing cards are the TD Rewards Visa* Card, the TD Platinum Journey Visa* Card, and the TD First Class Journey® Visa Infinite* Card.
TD Rewards Factors are notably invaluable when redeemed for journey booked via Expedia® for TD, the financial institution’s on-line journey portal operated in partnership with Expedia®.
The TD Rewards Visa* Card is that this bank card household’s entry-level providing and affords the chance to earn TD Rewards Factors on on a regular basis purchases with zero annual payment.†
This can be a nice card for people who’re searching for a simple, low-cost card that lets them earn in the direction of versatile future journey.
- Earn 15,152 TD Rewards Factors once you spend $500 inside 90 days of Account opening+†
- Plus, earn 4x TD Rewards Factors† on eligible journey purchases once you e-book via Expedia® for TD†
- Use your rewards for any journey bookings obtainable on Expedia® for TD†
- Annual payment: $0
- Software have to be accepted on or after January 7, 2025 to obtain this supply
The TD Platinum Journey Visa* Card is the mid-level card of the TD Rewards bank card household, and new cardholders normally have the chance to earn a welcome bonus within the first few months of card membership.
This card additionally affords elevated TD Rewards Factors incomes charges, making it a very good card for people trying to construct up their factors stability sooner.
TD Platinum Journey Visa* Card
- Earn 15,000 TD Rewards Factors upon first buy†
- Earn 35,000 TD Rewards Factors upon spending $1,000 within the first 90 days†
- Plus, earn 6x TD Rewards Factors† on eligible journey purchases once you e-book via Expedia® for TD†
- Earn 4.5x TD Rewards Factors† on eligible grocery, eating, and public transit purchases†
- Use your rewards for any journey bookings obtainable on Expedia® for TD†
- No minimal revenue requirement
- Annual payment: $89, rebated within the first 12 months†
The TD First Class Journey Visa Infinite* Card is the premium card providing within the TD Rewards bank card household.
This card typically includes a beneficiant welcome bonus and a first-year annual payment rebate.
Cardholders can even take pleasure in glorious incomes charges for TD Rewards Factors and a $100 lodging/trip credit score that can be utilized when reserving not less than $500 value of eligible journey via Expedia® for TD.†
This card is an effective selection for people who wish to rapidly accumulate TD Rewards Factors and who could make use of the $100 lodging/trip credit score.
TD First Class Journey® Visa Infinite* Card
- Earn 20,000 TD Rewards Factors upon making your first buy†
- Earn 145,000 TD Rewards Factors upon spending $7,500 inside 180 days of account opening†
- Plus, earn a Birthday Bonus of as much as 10,000 TD Rewards Factors†
- Plus, earn 8x TD Rewards Factors† on eligible journey purchases once you e-book via Expedia® for TD†
- Get an annual TD Journey Credit score† of $100 once you e-book via Expedia® for TD†
- Use your rewards for any journey bookings obtainable on Expedia® for TD†
- 4 complimentary lounge visits via the Visa Airport Companion Program†
- Minimal revenue: $60,000 private or $100,000 family
- Annual payment: $139, rebated for the primary 12 months†
- Supply efficient as of September 4, 2025†
Click on on the bank card names above to entry our in-depth guides for the up-to-date affords and enrollment info for the three TD Rewards bank cards.
Low-Price Credit score Playing cards
TD affords one low-rate bank card within the TD Low Price Visa* Card.
This card is an effective selection for somebody who typically wants to hold a stability on their card and would profit from the decrease annual rate of interest of 12.90%.
This card additionally typically affords promotional rates of interest for a set variety of months, permitting new cardholders to enlarge or surprising purchases with out incurring as a lot curiosity.
TD Banking App
TD has an app obtainable for each Apple iOS and Android.
Inside the app, you’ll be able to entry their chequing, financial savings, credit score, and funding accounts. You may transfer cash between these accounts, pay payments, and deposit cheques (by taking a photograph of the cheque).
You can too ship and request cash inside Canada through Interac e-transfer or to 200+ nations utilizing TD World Switch.
Inside the app, you may as well maintain their debit and bank cards safe with the flexibility to lock a card whether it is misplaced, misplaced, or stolen. They’ll then simply unlock the cardboard within the app as soon as it has been discovered.
If you happen to’re new to the app, TD additionally supplies some very useful tutorials on their web site that will help you be taught all concerning the completely different options.
Conclusion
TD Canada Belief is the second largest financial institution in Canada, with over 1,000 branches throughout the nation.
TD affords a variety of financial institution accounts, bank cards, and extra merchandise designed to go well with a myriad of various shopper sorts.
Whether or not you’re a scholar, a newcomer to Canada, or somebody perusing new banking choices, TD’s variety of choices are actually value exploring.
