Accounts

¹ Interest is payable monthly at the rates per annum, as offered. Interest for each tier is paid on your total daily closing balance.
² For tiers 1 to 5, interest is payable monthly at the rates per annum, as offered. Interest for each tier is paid on your total daily closing balance. When your balance falls within tier 6, you earn the tier 5 interest rate on $1,000,000, plus the tier 6 interest rate on the portion of your daily closing balance within tier 6.
³ Interest is payable monthly at the rates per annum, as offered.
⁴ Interest will be calculated by multiplying the interest rate for each tier by the portion of the daily closing balance in that tier.
⁵ Interest is paid in the currency of the account.

Notes Regarding Interest Earned on Deposit Accounts:

1. - Interest is calculated based on the daily closing balance of the account. This balance includes transactions completed on a business day as follows:
   • - All in-branch transactions, EasyLine transactions and EasyWeb transactions (except TD Direct Investing and TD Wealth transfers and account transfers involving foreign currency) completed prior to 11:59 p.m. ET
   • - All EasyWeb TD Direct Investing and TD Wealth transfers completed prior to 8:00 p.m. ET
   • - All EasyWeb account transfers involving foreign currency, ATM transactions, Interac Direct Payment purchases, and Interac and PLUS ATM withdrawals completed prior to 9:00 p.m. ET
   Transactions completed or processed after the above times on a business day or anytime over the weekend or on a statutory holiday will be considered for interest calculation purposes to have been made on the next business day.
 
2. - Daily interest is calculated as follows: Daily closing balance x interest rate for the appropriate tier divided by 365. Interest calculations using a minimum monthly balance are calculated based on 366 days during a leap year. Interest accrues for each day during a leap year. When an account is closed, interest credited is calculated based on the previous business day.
 
3. - For deposit accounts opened on the last business day of the month, any interest earned for that day will be posted to the account on the last business day of the following month.
 
4. - In-branch deposits containing cheques totalling $100,000 or greater received after 5:00 pm local time (or anytime on a weekend) will be held in safe-keeping and deposited to the account the next business day.
 
5. - Business day means Monday to Friday, except statutory holidays and excluding Saturdays and Sundays.
 
6. - Interest rates are subject to change without notice.