Your new TD Access Card is like no other debit or bank card available in Canada. Here are a few things you need to know:
Your new TD Access Card is still a debit card and not a credit card, so that means you can use it like your old one, to make debit purchases and access your TD bank accounts. Plus, the Visa Debit and contactless symbols mean you can do more with your card.
With the security of Chip encryption technology and Verified by Visa, you can confidently make payments directly from your TD bank accounts online and also around the world at retailers wherever Visa is accepted.
Your TD Access Card is now accepted at retailers outside of Canada wherever Visa is accepted, in over 200 countries internationally.
Take advantage of this contactless payment option at participating Canadian merchants that lets you make small dollar purchases quickly and securely without having to enter your PIN.
While your new TD Access Card still lets you do all the same things as your old Access Card, there are new features and benefits that you can now enjoy. This chart gives you a quick look at all the convenience and possibilities of your new Access Card.
|At Canadian merchants accepting Interac Debit|
|Internationally, at retailers accepting Visa||NEW|
|Online, by phone, or through the mail wherever Visa or Visa Debit is accepted||NEW|
|At participating Canadian merchants through Interac Flash||NEW|
|Complete Access – in Canada|
|EasyWeb® Internet Banking and TD mobile banking|
|EasyLine® telephone banking|
|TD Canada Trust Green Machine ATMs|
|TD Canada Trust branches, most with extended hours|
|Canadian ATMs through the Interac and PLUS networks|
|Complete Access – Internationally|
|International ATMs through the PLUS or Visa System networks|
|TD® Bank U.S. ATMs at no additional charge|
|Added security features for purchases made through the Visa network||NEW|
Your new TD Access Card is still a debit card, but now with even more benefits. You can still use it to make debit purchases wherever Interac Debit is accepted in Canada and continue to access your TD bank account(s) online through EasyWeb or over the phone through EasyLine. In addition, the new Visa Debit symbol on the front means your Access Card can now be used to make debit purchases all over the world wherever Visa is accepted. And because your new Access Card is a debit card and not a credit card, you get to pay directly with your own funds, rather than with credit giving you better control over your finances and budgeting.
Now that your new TD Access Card carries the Visa Debit symbol, you can use your TD Access Card wherever Visa/Visa Debit is accepted. Whether online, by mail or phone, select Visa or Visa Debit, use your 16 digit card number, expiry date and 3 digit security (CVV2) number on the back to make your payment. Unlike a credit card, the funds come right out of your bank account. Just look for the Visa/Visa Debit symbols wherever you shop online.
Since your new TD Access Card is accepted internationally wherever merchants take Visa, it's accepted in over 200 countries and at millions of places worldwide, allowing you to use it for nearly anything. So if you're travelling abroad and need to make a purchase, look for the Visa symbol. Your new card reduces the need to carry traveller cheques or foreign currency. Payments come out of your TD bank account(s).
Your new TD Access Card has security protections in place. The embedded microchip stores information in a secure, encrypted format. Plus, for your online Visa Debit purchases, you may be asked to sign up for the Verified by Visa program where available. This program is offered to you at no additional cost and exists to help protect you against fraudulent transactions. What's more, if your Access Card is ever lost or stolen, you can get a replacement by calling 1-866-222-3456.
Now, if you choose, you can make contactless payments with your Access Card thanks to Interac Flash. Interac Flash is an optional faster, more convenient way to pay securely for small purchases at participating merchants in Canada without entering your PIN. It's a great convenient way to quickly and easily pay for small, everyday purchases under $100 – directly from your TD bank account.
If you enable your enhanced TD Access Card for this payment method, you can simply "flash" it at a contactless reader that supports Interac Flash, instead of inserting it and entering your PIN. Just wait for the approval and you're ready to go!
Message: Important Notice for TD Canada Trust Access Cardholders:Country Sanctions and Financial Transactions on your Card.
We've provided answers to some of the most common questions people have about the new TD Access Card. Take a look below to find helpful information.
The following are the most frequently asked TD Access Card related questions:
No, there are no fees. However, it is important to note that each transaction that is completed online, over the phone, by mail-order, internationally or by contactless will be counted as 1 transaction against your account's monthly limit. Any additional transactions above your account limit will be subject to the additional fee schedule that applies to your account today. It's important to speak to a TD Canada Trust representative to ensue you are in the account that best meets your financial needs.
Yes, as long as you have a personal chequing or savings account with TD, and are registered for ATM and point of sale service. Small Business Banking account customers, however, are not eligible for the new Access Card. If you do not qualify for the new enhanced TD Access Card you will receive the standard TD Access Card.
No, the enhanced TD Access Card can only be linked to your Canadian dollar bank accounts.
No, the new TD Access Card uses a 16 digit card number. But your existing services, limits, and your PIN and EasyWeb password will remain the same.
All Visa Debit transactions will have "_V" at the end of the transaction description while all Interac Flash transactions will have "_F". You will see this in both your statement and on EasyWeb. In EasyLine, you will not be able to tell if it is a Visa Debit or Interac Flash transaction - the voice response will simply state that it is a "debit purchase".
Yes. For iPhone and Android users, customers who have an older version of the TD Mobile app will need to download a newer version if they want to log in with the enhanced TD Access Card. Version 3.2 or higher is required.
For people with restricted access to BlackBerry App world (including staff), visit: http://www.td.com/mobile/blackberryapp/download/ and follow the instructions.
Interac Flash is a contactless enhancement of Interac Debit which allows you to quickly pay for smaller dollar purchases instantly from your TD bank account without signing for a purchase or entering a PIN.
There are numerous merchants that accept Interac Flash including fast food outlets, gas stations, hardware stores and even movie theatres.
More merchants will be added over time. Look for the Interac Flash logo
No, Interac Flash is a safe and convenient optional feature that can be enabled or disabled by you at any time.
Yes, you can spend up to a total of $100 using Interac Flash before being required to enter your PIN, which resets the contactless spend limit. There are no daily or weekly Interac Flash limits however contactless transactions do contribute to your overall daily/weekly Point of Sale dollar limit.
Yes, merchants will provide receipts for Interac Flash transactions like they do for regular Interac Debit transactions.
Yes, Interac Flash is quite safe. The new TD Access Card has an embedded microchip that stores information in a secure, encrypted format. If your Card is ever lost or stolen please call EasyLine telephone banking or visit your local branch as soon as possible. You can get a replacement Card anywhere in the world by calling 1-866-222-3456.
No, the new TD Access Card is strictly a chip enabled debit card, NOT a credit card. But it offers more convenience and security than our previous Access Card. Since it's still a debit card all purchases made with the new TD Access Card will continue to access your funds directly from your TD bank account.
Visa Debit allows you to make debit purchases in person internationally, online, over the phone and by mail-order using the Global Visa network.
Yes, these limits are set for daily and weekly transactions. The online, phone and mail-order limits can be adjusted based on your preferences.
No, you will continue to use your TD Access Card for debit payments made in stores in Canada exactly as you do today.
Not necessarily. It will depend on when the merchant processes the payment. Some online merchants may process transactions in batches at the end of the day, or before they ship the item. This can lead to a delay in seeing the debit applied to your account. Others may process the transaction right away.
There are thousands of merchants that accept Visa Debit and many more added each month; for a sample list, please visit http://www.visa.ca/en/personal/visa-debit-card/visa_debit_merchants.jsp.
When shopping online, you will enter your 16 digit TD Access Card number and you may also be asked to enter the 3 digit security number on the back, similar to using a credit card. If you do not see the option to choose "Debit" or "Visa Debit", not to worry. Provided the online merchant accepts Visa Debit, you will select "Credit Card" as the payment method and / or "Visa" as the card type. It's highly recommended that you visit the Visa Canada website and confirm that the online shopping site accepts Visa Debit before using your new TD Access Card to make an online debit purchase.
No, you will no longer be able to use Interac Online. The Code of Conduct for the Credit and Debit Card Industry prevents a card from containing two online payment networks; however, you will be able to conduct online purchases through Visa Debit which currently has thousands of participating merchants. In some cases, you can use the bill payments functionality within EasyWeb to pay instead of using Interac Online.
Yes, wherever Visa is accepted around the world. When shopping internationally (including the USA), you may be asked and can select either Debit or Credit, and depending on the merchant and amount you may be asked to enter a PIN or sign the receipt. In some countries merchants (such as, fast food, taxi, movie theatres, etc.) who belong to Visa Easy Pay Service (VEPS) do not require you to enter a PIN or provide a signature for purchase amounts below $50 (depending on the country).
Yes, PLUS fees will continue to be waived as they are today when using TD Bank, America's Most Convenient Bank ATMs in the US.
Yes, instead of using a void cheque, you can now arrange with the service provider (provided they accept Visa Debit) to make one-time or recurring payments/direct debits from your TD bank account by providing your new TD Access Card number and the expiry date.
Yes, you can use your Card to book hotels and car rentals online or over the phone if they accept Visa Debit within Canada or Visa if booked outside of Canada. Funds may be debited right away from your account when you make the reservation.
Visa's Zero Liability applies to transactions completed over the Visa network (international, online, phone, and mail-order transactions). Should your Access Card become compromised, you will not be held liable as long as you have met your obligations as outlined in the Cardholder and Electronic Financial Services Terms and Conditions. Verified by Visa is another layer of security for online transactions, which uses personal passwords which you set up when you sign up for the free service. Participating online merchants will ask you to enter your password during checkout. Register for Verified by Visa.