TD Cross-Border Banking makes
your U.S. banking convenient
Great service and convenience on both sides of the Canada-U.S. border
If you’re a Canadian looking for an easy way to do your U.S. banking, then TD Cross-Border Banking can help. TD Cross-Border Banking offers Canadians helpful advice and great banking services, at over 1,300 convenient U.S. locations from Maine to Florida. Or, you can call the TD Cross-Border Banking Support Line at 1-877-700-2913, 24 hours a day, 7 days a week, from anywhere in Canada or the U.S.1 So whether you are heading to the U.S. to live, vacation, shop, travel or study, TD can help you manage your cross-border banking needs.
What are the benefits of TD Cross-Border Banking?
Over 1,300 U.S. locations
With TD Cross-Border Banking you can enjoy the convenience of over 1,300 locations from Maine to Florida with TD Bank, America’s Most Convenient Bank®. Find a location near youOpen a U.S. based TD Bank account
With a U.S. based TD Bank account you’ll have convenient access to your account with free Online Banking and Bill Pay2, and access to thousands of TD ATMs in Canada and the U.S.3Apply for U.S. credit
You can apply for a U.S. mortgage4 or credit card5 products through TD Bank based on your Canadian and U.S. assets, income and credit history.Easily transfer up to $25,000 a day across the border for free
Transferring money between your Canadian based TD Canada Trust and U.S. based TD Bank accounts is as easy as placing a phone call to our TD Cross-Border Banking Support Line, available 24 hours a day, 7 days a week from Canada or the U.S.View your accounts online
Enjoy the convenience of viewing both your Canadian based TD Canada Trust and U.S. based TD Bank accounts online on the same page. To register for this service you will need to visit a TD Canada Trust or TD Bank location to provide authorization to set up your Canadian and U.S. accounts for online viewing.24/7 support and advice
From general advice to specific account questions, the TD Cross-Border Banking Support Line is here to help you 24 hours a day, 7 days a week from Canada or the U.S.Get the convenience you’ve come to expect in Canada while in the U.S.
Call 1-877-700-2913 anytime to get advice on TD Cross-Border Banking.
Now you can take TD with you
TD Cross-Border Banking provides access to products and services to make your U.S. banking more convenient.
Expand Open a U.S. based TD Bank, America’s Most Convenient Bank®, account
Need an account in the U.S.? Opening a TD Bank, America’s Most Convenient Bank, account will give you great cross-border banking convenience!1
Easy cheque and bill payments
With a U.S. based TD Bank account you’ll have convenient access to your account with free Online Banking and Bill Pay2 and access at thousands of TD ATMs in the U.S. and Canada.3 You’ll also be able to write U.S. cheques to pay U.S. merchants.
Learn more about TD Bank chequing and savings accounts. Remember that to open your new TD Bank account you can either call the TD Cross-Border Banking Support Line from Canada or the U.S. or visit a TD Bank location in the U.S. When you open your account, you will need to provide a current, valid passport and one other piece of ID(such as a driver’s licence or Permanent Resident Card).
Call 1-877-700-2913 anytime from Canada and the U.S. to open a TD Bank account today.
Expand Apply for U.S. credit
Being able to access credit in the U.S. can simplify your U.S. banking needs. At TD Bank you can apply for:
- U.S. mortgages4
- Credit Cards5
Your application for U.S. credit is based on your Canadian and U.S. assets, income and credit history.
To find out more about U.S. credit call 1-877-700-2913 anytime, anywhere from Canada and the U.S.
Expand Easily transfer money across the border for free
With both a TD Canada Trust account in Canada and a U.S. based TD Bank account, you can easily wire transfer up to $25,000 a day across the border between both accounts through the TD Cross-Border Banking Support Line for free, available 24 hours a day, 7 days a week.
Need to transfer money across the border? It’s simple. Call 1-877-700-2913.
Expand View your accounts online
With accounts at both TD Canada Trust and TD Bank, you can stay on top of all your banking. You can view both your Canadian based TD Canada Trust and U.S. based TD Bank accounts online on the same web page through EasyWeb Internet banking. You will also have the convenience of accessing TD Bank Online Banking directly from your TD Canada Trust EasyWeb profile without having to log in a second time.
To register for this service you will need to visit a TD Canada Trust or TD Bank location to provide authorization to set up your Canadian and U.S. accounts for online viewing.
For your protection, TD Canada Trust and TD Bank staff will need to verify your identity to add this service as well as confirm your full account details in order to process your request. Please be prepared to provide the following information based on your location.
| U.S. - TD Bank | Canada - TD Canada Trust |
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Call 1-877-700-2913 anytime to get advice on TD Cross-Border Banking.
Expand Solutions for your occasional U.S. banking needs
If you travel to the U.S. on occasion and need to access U.S. funds, or have a need for preferred U.S. exchange rates, then a TD Canada Trust U.S. Dollar Account may work for you.
TD Canada Trust U.S. Dollar Borderless Plan
Make your frequent trips across the border easier with the Borderless Plan. Get preferred exchange rates every time you convert Canadian dollars to U.S. dollars (or vice versa) on amounts up to $25,000. Unlimited no-fee U.S. dollar transactions, including cheques and withdrawals. Plus, if you have a TD U.S. Dollar Visa Card, your annual fee is waived. A Borderless Plan can complement your TD Bank, America’s Most Convenient Bank, account by helping you save and deposit U.S. funds, convert at preferred exchange rates and facilitate U.S. Dollar transfers across the border.
TD Canada Trust U.S. Dollar Daily Interest Chequing Account
If you occasionally visit the U.S. or receive cheques in U.S. Dollars, the U.S. Dollar Daily Interest Chequing Account is a convenient way to manage U.S. funds. A basic account with no monthly fee that is perfect for occasional U.S. Dollar banking needs.
TD U.S. Dollar Visa Card
Tired of calculating exchange rates? Apply for a TD U.S. Dollar Visa Card from TD Canada Trust, which lets you pay for your purchases in U.S. Dollars. You’ll know exactly how much you’re spending as all amounts charged to your card will be in U.S. Dollars.
Expand Cross-border convenience for all TD Canada Trust customers
All TD Canada Trust customers enjoy:
- Access at thousands of TD ATMs in the U.S. and Canada3
- No network charges for debit purchases - simply use your TD Access Card at thousands of retail locations in Canada and the U.S.
- With the enhanced TD Access Card, you can pay with debit wherever Visa is accepted
Call 1-877-700-2913 anytime to get advice on TD Cross-Border Banking.
What you should know about banking in the U.S.
There are a few differences that separate banking in the U.S. from banking in Canada. Here are a few points you should be aware of:
- U.S. staff at TD Bank, America’s Most Convenient Bank®, are not able to access your TD Canada Trust accounts and vice versa. But we can help you have your Canadian based TD Canada Trust and U.S. based TD Bank accounts set up to be viewed online on a single web page.
- Unlike in Canada, U.S. ATMs do not have bill payment capabilities. However, in the U.S., you can sign up for free Online Banking and Bill Pay2 to enjoy the convenience of paying your bills online.
- In the U.S., transactions may take a few days before they are posted to your account.
- 1-3 days for ATM or debit transactions.
- 5-7 days for bill payments processed by merchants.
- When making deposits and withdrawals at a TD Bank location, you fill out slips for the transactions.
- At TD Bank, ‘branches’ are called ‘stores’.
TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. Member FDIC. Accounts issued by TD Bank, N.A. are not insured by Canada Deposit Insurance Corporation.
1 TD Bank, N.A. is located in the United States and its support line and Stores are serviced in English.
2 Applies to U.S. bills only.
3 Foreign currency withdrawals will include a conversion charge.
4 Subject to credit approval and other conditions. Mortgages limited to property located in U.S. state where TD Bank, N.A. has locations. Equal Housing Lender
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5 Subject to credit approval and other conditions. Applicants must be a resident of Canada or a U.S. state where TD Bank, N.A. has locations.