Types of Bank Accounts | Chequing and Savings

^§ New to TD Bank Chequing Program (Terms and Conditions)

Note: Customers that open a new TD Every Day Chequing Account or TD Minimum Chequing Account from November 1, 2024, to February 25, 2025, will be eligible for the Bundle Offer 2 only ($100 cash). Customers that open a TD All-Inclusive Banking Plan or TD Unlimited Chequing Account will be eligible to receive up to $500 cash.

Calculating up to $500 in cash

^§ Up to $500 in value is calculated as follows: Offer 1) $400 cash + Bundle Offer 2) $100 cash = $500 total cash value.

Offer 1) Earn $400 in cash upon opening a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account and complete the qualifying criteria in accordance with Offer 1 below.

Bundle Offer 2) Earn $100 in cash upon opening a new TD All-Inclusive Banking Plan, TD Unlimited Chequing Account, TD Every Day Chequing Account or a TD Minimum Chequing Account AND a new TD ePremium Savings Account or TD Every Day Savings Account AND apply for and be approved for a new TD Credit Card in accordance with Bundle Offer 2 below.

Offer 1: Chequing Account $400 Cash Terms and Conditions

^† To earn $400 in cash, a customer must

(a) Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the Offer 1 Account) between November 1, 2024, to February 25, 2025.

(b) Complete any two of the following with the Offer 1 Account:

Set up a recurring Direct Deposit from an employer, pension provider or the Government with the first deposit posted to the Offer 1 Account before April 25, 2025. 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 April 25, 2025.
Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the Offer 1 Account before April 25, 2025. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits

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

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:

1. Customers who already had a TD Chequing Account that was closed on or after November 1, 2023

2. Customers who already have a TD Chequing Account as of November 1, 2024

3. Customers who received any TD Chequing Account offers from TD in 2022, 2023, 2024; or

4. TD staff members or any TD customers who have a joint account with a TD staff member.

For any Offer 1 Account that is a joint account, at least one account holder must meet the eligibility requirements. Limit of one $400 cash offer per Offer 1 Account. Limit of one $400 cash offer per customer.

The $400 cash will be deposited to the Offer 1 Account within 12 weeks after all required conditions have been met, provided that the Offer 1 Account is still open, in good standing, and the same account type with all conditions continuing to be met. The monthly fee for the Offer 1 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 cash is deposited into the Offer 1 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 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.

Bundle Offer 2: $100 Cash Terms and Conditions

^◊ To earn $100 in cash, a customer must meet the following conditions:

a. Open a new TD All-Inclusive Banking Plan, TD Unlimited Chequing Account, TD Every Day Chequing Account or TD Minimum Chequing Account (the Offer 2 Account) between November 1, 2024, to February 25, 2025.

b. Open a new TD ePremium Savings Account or TD Every Day Savings Account (the TD Savings Account) by April 25, 2025, and complete one of the following with the TD Savings Account;

i. Set up a Pre-authorized Transfer Service with the first transaction processed by July 25, 2025. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month;

ii. Set up Simply Save with the first transaction processed by July 25, 2025; and

c. Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* 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 Low Rate Visa* Card (a New TD Credit Card) by April 25, 2025. The New TD Credit Card must be kept open, active and in Good Standing for 60 days after account opening.

The $100 cash offer (Bundle Offer 2) is available to Canadian residents that are the age of majority at the time of the TD Savings Account and new TD Credit Card opening in their province or territory.

We reserve the right to limit the number of accounts opened by any one person. Bundle Offer 2 may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Customers that open a new TD Every Day Chequing Account or TD Minimum Chequing Account from November 1, 2024, to February 25, 2025, will be eligible for the Bundle Offer 2 only, not the $400 cash TD Chequing Account offer (Offer 1).

The following are not eligible to earn the Bundle Offer 2:

Customers who already had a TD Chequing Account that was closed on or after November 1, 2023,
Customers who already have a TD Savings Account as of November 1, 2024,
Customers who had a TD Savings Account that was closed on or after November 1, 2023,
Customers who received any Savings Account offer from TD in 2022, 2023, 2024; or
TD staff members or any TD customers who have a joint account with a TD staff member.
Customers who are a Primary Cardholder of a personal TD Credit Card as of November 1, 2024
Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.

The $100 will be deposited to the Offer 2 Account within 12 weeks after all required Bundle Offer 2 conditions have been met, provided that the Offer 2 Account, the TD Savings Account and TD Credit Card are all still open, in Good Standing, and with the same Chequing Account type. All required conditions must continue to be met until fulfillment of the Bundle Offer 2. Maximum offer of $100 per TD Savings Account and new Credit Card opened during the offer period. Maximum offer of up to $100 per customer.

We can change, extend, or withdraw the Bundle Offer 2 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. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.

² Minimum monthly balance indicated must be maintained at the end of each day in the month to qualify for the fee rebate.

¹Customers 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 amount of the Annual Fee Rebate will not exceed the Annual Fee charged to the Eligible TD Credit Card.

An All-Inclusive Account provides a maximum of one Annual Fee Rebate. 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 annual fee, or, if multiple Eligible TD Credit Cards have the same annual fee, 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:

o The Annual Fee Rebate will be applied to the Eligible TD Credit Card with the highest annual fee, or, if multiple Eligible TD Credit Cards have the same annual fee, to the Eligible TD Credit Card that was opened first.

o 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 annual fee. In this scenario, once Customer B obtains an Eligible TD Credit Card with a higher 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 an Annual Fee Rebate on your Eligible TD Credit Card:

• You must have an All-Inclusive Account 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 2 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.

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 Subject to credit approval. First-year Annual fee discount applies only to the Primary Cardholder for your choice of a new (to you) TD Credit Card from one of the following – TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Cash Back Visa Infinite Card, provided you maintain a TD Unlimited Chequing Account in good standing for the first year. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

Customers with an TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. 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 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.

The amount of the Annual Fee Rebate will not exceed the Annual Fee charged to the Eligible TD Credit Card.

An Unlimited Account provides a maximum of one Annual Fee Rebate. This means:

If you have an Unlimited 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 annual fee, or, if multiple Eligible TD Credit Cards have the same annual fee, to the Eligible TD Credit Card opened first.
If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate. The Annual Fee Rebate will be applied to the Eligible TD Credit Card with the highest annual fee, or, if multiple Eligible TD Credit Cards have the same annual fee, to the Eligible TD Credit Card that was opened first.

In order to receive an Annual Fee Rebate on your Eligible TD Credit Card:

You must have an Unlimited Account 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 Unlimited Account and the Eligible TD Credit Card must be open and in good standing.

The Annual Fee Rebate will be applied within 2 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 this 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.

⁵ You may pay a fee to the ATM provider.

⁷ Subject to credit approval. The account holder must be age of majority in their province of residence to apply for Overdraft Protection Service (ODP). Amount in overdraft is subject to an interest rate of 21% per annum. If the type of TD Chequing Account is switched, the ODP fee may be impacted.

⁸Customers with a Borderless Plan are eligible for an Annual Fee Rebate (defined below) on one TD U.S. Dollar Credit Card Account (the "U.S. Dollar Card") per calendar year. TD Credit Card is subject to credit approval.

The "Annual Fee Rebate" is $39 towards the Annual Fee charged for the U.S. Dollar Card.

Only one U.S. Dollar Card is eligible for an Annual Fee Rebate per Borderless Plan. This means:

· If you have a Borderless Plan and you have more than one U.S. Dollar Card, only one U.S. Dollar Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the U.S. Dollar Card opened first.

If the Borderless Plan is a joint account, only one accountholder can receive an Annual Fee Rebate. The Annual Fee Rebate will be applied to the Eligible TD Credit Card that was opened first.

In order to receive an Annual Fee Rebate on your U.S. Dollar Account:

· You must have a Borderless Plan at least three business days prior to the date the Annual Fee is charged to the U.S. Dollar Card.

· At the time the Annual Fee is charged to your U.S. Dollar Card, the Borderless Plan and the U.S. Dollar Card must be open and in good standing.

The Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the Annual Fee charge.

Closing your U.S. Dollar Account 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 U.S. Dollar Card 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 U.S. Dollar Card. The terms of this 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 U.S. Dollar Card.

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