TD Unlimited Chequing Account

¹ 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.

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 $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.

Interest rates, fees and features are effective as of January 7, 2025, unless otherwise indicated, and are subject to change.

⁴ 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 30, 2024. Redemption calculation is based on actual flight redemptions made by cardholders between the period of November 8, 2020 – September 30, 2024.

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

⁵ Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.

⁶ 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.

⁷ The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS 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 application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS 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 responsible for the NEXUS program.

⁸ Earn 1% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 1% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

⁹ Earn 1% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹⁰ Earn 0.5% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹¹ Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at https://www.td.com/ca/en/personal-banking/advice/day-to-day-banking/cardholder-agreement

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

New to TD Bank Chequing Program (Terms and Conditions)

Calculating up to $600 in cash

^§ Up to $600 in value is calculated as follows: Offer 1) $450 cash + Bundle Offer 2) $150 cash = $600 total cash value.

Offer 1) Earn $450 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 $150 in cash upon opening a new TD All-Inclusive Banking Plan, TD Unlimited 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 $450 Cash Terms and Conditions

^† To earn $450 in cash, a customer must

(a) Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the Offer 1 Account) between February 26, 2025, to May 28, 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 July 29, 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 July 29, 2025.
Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the Offer 1 Account before July 29, 2025. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits

The $450 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 $450 cash offer:

1. Customers who already had a TD Chequing Account that was closed on or after February 26, 2024,

2. Customers who already have a TD Chequing Account as of February 26, 2025,

3. Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; 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 $450 cash offer per Offer 1 Account. Limit of one $450 cash offer per customer.

The $450 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 $450 cash is deposited into the Offer 1 Account.

We can change, extend, or withdraw the $450 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: $150 Cash Terms and Conditions

^◊ To earn $150 in cash, a customer must meet the following conditions:

a. Open a new TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account, between February 26, 2025, to May 28, 2025.

b. Open a new TD ePremium Savings Account or TD Every Day Savings Account (the TD Savings Account) by July 28, 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 October 24, 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 October 24, 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 July 28, 2025. The New TD Credit Card must be kept open, active and in Good Standing for 60 days after account opening.

The $150 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.

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 February 26, 2024
Customers who already have a TD Savings Account as of February 26, 2025,
Customers who had a TD Savings Account that was closed on or after February 26, 2024,
Customers who received any Savings Account offer from TD in 2023, 2024, 2025; 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 February 26, 2025
Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.

The $150 cash will be deposited to the Offer 1 Account within 12 weeks after all required Bundle Offer 2 conditions have been met, provided that the Offer 1 Account, the TD Savings Account, and the TD Credit Card are all still open, in Good Standing, with the same TD Chequing Account type. All required conditions must continue to be met until fulfillment of the Bundle Offer 2. Maximum offer of $150 per new TD Savings Account and new TD Credit Card opened during the offer period. Maximum offer of up to $150 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.

Service	Fee
Annual Fee	$139
Interest: Purchases	20.99%
Interest: Cash Advance	22.99%
Additional Cardholder⁵	$75

Service	Fee
Monthly Fee	$0
Transactions included per month¹	1
Additional Transactions¹	$3.00 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	$0
Interest: Purchases	19.99%
Interest: Cash Advance	22.99%
Additional Cardholder⁵	$0

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