Chequing Account

TD has a bank account for your daily needs

Once you’ve arrived, you will need a safe and secure place to keep your money. In Canada, most people have a “chequing account” as their everyday bank account. A chequing account is an account that you can use for most of your daily transactions.

  • Withdraw money as often as you like at any TD branch or ATM (automated bank machine)
  • Secure phone and online banking
  • Pay bills, shop online or make in-store purchases worldwide with your TD Access Card (bank card)
  • Mobile banking
  • Make deposits
  • Receive free online statements
  • Send money safely and securely with TD money transfer service

We speak your language, and with more than 1,150 branches, we’re easy to find.

Visit a local branch to open this account

What should I bring with me?

When you visit a TD branch, you’ll need to bring 2 pieces of identification:

1. One of the following documents:

  • Permanent Resident Card
  • Confirmation of permanent residence (e.g., IMM Form 5292)
  • Temporary Permit (e.g., IMM Form 1442, 1208, 1102)


2. One of the following documents:

  • A valid passport
  • Canadian Driver’s Licence
  • Canadian Government Identification card

Other identification documents may be acceptable or required. Please visit a TD branch for details.

We have the products and services to meet your needs

Expand I need help in case I don’t have enough funds in my account to cover a transaction

Overdraft protection1 gives you the peace of mind of knowing you are covered for occasional cash shortfalls in your chequing account – up to an approved overdraft limit.

Learn more about overdraft protection

Expand I need help with online banking

Banking online is convenient, safe and secure with EasyWeb Internet banking. We make it easy for you to learn about online banking with our online tours and demos.

Try the demo

Expand I need a bank card that I can use online

The TD Access Card is a chip-enabled debit card. That means you can use it to pay for purchases and access your TD bank accounts. But you can also use it to shop securely online, or at stores around the world.

Explore the benefits of your TD Access Card

Expand I travel a lot to the United States

Cross-Border Banking services can help make your U.S. banking easier with convenient access to your accounts online, or at one of nearly 1,300 TD Bank, America’s Most Convenient Bank locations in the United States.

Learn about the convenience of TD Cross-Border Banking

Expand I want a place to store important documents and jewellery

Safety deposit boxes are a secure place to store valuables. In some cases, the annual fee for a small safety deposit box may be included when you open an eligible bank account, if available at your branch.

Visit a local branch to get a safety deposit box

We’ve been serving newcomers to Canada for over 100 years

When you bank with TD, your money and personal information are always protected.

More than 1,150 branches — open later and longer than other Canadian banks, with 400 open on Sundays.2

Service in over 200 languages.

Explore these other solutions for newcomers to Canada

Credit Cards

Savings Accounts

Money Transfers

Borrow, Save and Invest

Our New to Canada package

Our package for newcomers to Canada includes a chequing account.

Learn about the TD New to Canada package

Am I eligible?

To qualify for the New to Canada banking package:

  • You are either a Permanent Resident or Temporary Resident of Canada for 2 years or less
  • You provide proof of your status through your Permanent Resident Card or Temporary Permit
  • You have never opened or held a TD Chequing Account
  • You are the age of majority in your Province or Territory of Residence

1 Subject to the terms and conditions of the Overdraft Protection Agreement.

2 Individual branch hours vary.