Electronic Banking

With Debit Payment, you can take advantage of "cash-less shopping" for greater convenience and safety.

You'll make fewer trips to the branch or ATM and all you need is your TD Canada Trust Access Card.

• It's like having cash in your hand 24 hours a day.
• Your money stays in your account, collecting interest, until you make a purchase.
• It's easier than writing a cheque - no identification required - and costs less.
• It makes it easier to balance your accounts, as you now have a record of every transaction you make.
• It's widely accepted throughout Canada and the United States.

It's fast, easy, convenient, and safer too!

In Canada ... look for the Interac Direct Payment logo to pay for your purchases. Swipe your card, select your account and funds are transferred directly from your account to the retailer in real-time.

Travelling to the US?

Use the NYCE network to make your Debit Purchases¹.

Your TD Canada Trust Access Card can be used wherever PIN debit is available. Prepare for your trip by visiting the NYCE website to find out if your favourite US retailers accept the TD Canada Trust Access Card.

For more information about planning for trips abroad, visit our Foreign Currency Services website.

How do I get started?

If you need more information on using Interac Direct Payment or Debit Payment in the US, simply call 1-866-222-3456, or visit your nearest TD Canada Trust Branch. We'll connect your TD Canada Trust Access Card to your TD Canada Trust account(s).

¹ Included in the currency exchange cost will be a conversion fee which is calculated by adding an additional 250 basis points to the interbank U.S. dollar exchange rate. For example, on a purchase of $10 US with an exchange rate of 1.3, the transaction amount will be $13.25 CDN ($10 x 1.325).