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Chequing, Savings & U.S. Accounts, account related services and electronic banking
Chequing Accounts All-Inclusive Our premium, all-inclusive account gives you the peace of mind that comes from knowing that virtually all of your everyday banking needs are covered. Features Unlimited Peace of mind banking that allows you to transact as often as you want or need - without having to monitor your transactions. Features Every Day A budget-friendly choice for those who use their account regularly with a reasonable number of transactions - for a lower monthly fee. Features Minimum A chequing account for those with very limited banking needs, and who make only a few transactions a month. Features Every Day with Student Discount Account A favourite of students enrolled in a full-time post-secondary program with a reasonable number of transactions per month - all with no monthly fee. Features Electronic Banking EasyWeb Banking Secure and convenient, with EasyWeb you can manage your personal and small business day-to-day, investing and borrowing needs wherever and whenever you have access to the Internet. Features EasyLine Telephone Banking For your day-to-day banking, investing and borrowing needs, EasyLine lets you do almost everything over the phone - 24/7. Features TD Access Card Enjoy access to essential banking services, and now shop internationally, online and with contactless technology from your bank account. Features Savings Accounts TD Every Day Savings The ideal account if you’re just starting to build your savings, or need access to your funds on a frequent basis. Features TD High Interest Savings Build your savings faster with a high interest rate on balances of $5,000 or more, and bank any way you like with no additional transaction fees1. Features TD ePremium Savings Grow your savings with a high interest rate on balances of $10,000 or more, and free online transfers2 Features Youth An account for savers under age 19 that offers competitive rates plus many free transactions and services. Features Tax-Free Savings Account This account allows you to take advantage of the tax-free benefits at any stage of your life, while providing the flexibility to withdraw your money at any time (subject to any withdrawal restrictions for the investments in the TFSA). Features U.S. Dollar Accounts U.S. Dollar Daily Interest Chequing Account Simplify your U.S. dollar banking with this convenient, no monthly fee account. Features Borderless Plan An all-inclusive U.S. dollar banking solution designed for frequent U.S. travelers and investors. Features Account Related Services Overdraft Protection An affordable and convenient way to cover occasional shortfalls in your chequing account for a low monthly fee plus any interest on overdrawn amounts. Features Pay As You Go Overdraft Protection Cover unexpected cash shortfalls and enjoy peace of mind with Pay As You Go Overdraft Protection. Pay only when you use the service. Features Simply Save Simply Save transfers a set amount of money from your chequing account to a savings account when you use your TD Canada Trust Access Card. Features
1Transactions/Debit Transactions include: withdrawals, transfers, cheques, pre-authorized payments, bill payments and Debit Payment purchases. For Debit Payment purchases at merchants outside of Canada who accept Visa Debit, the transaction amount will be converted to Canadian dollars based on the foreign exchange rate charged to TD Canada Trust and will include an additional fee equal to 2.5% of the converted amount. For NYCE® Debit Payment purchases, 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 U.S. with an exchange rate of 1.3 the transaction amount will be $13.25 CDN ($10 x 1.325). Deposit transactions are free.
2Transfers from the TD ePremium Savings Account to another TD Canada Trust personal Canadian dollar chequing or savings account registered in the same customer name using EasyWeb® Internet Banking or the TD app are free. All other transfers between accounts are treated as Debit Transactions.
Mortgages, Loans & Credit, Aeroplan Miles and TD Credit Cards
Mortgages Mortgage Pre-approval Start the pre-approval process! Contact a TD Mobile Mortgage Specialist to get pre-approved for a mortgage and shop for a home with confidence. Mortgage Visit our mortgage tools and calculators to find out which mortgage may work for you. Features Mortgage Renewal Renewal time? Talk with us to learn more about our competitive interest rates and flexible mortgage features that can help you pay down your mortgage faster. Features Loans & Credit Home Equity Line of Credit Use your Home Equity Line of Credit to purchase a home, or to pay for home renovations, education, and more. Features Line of Credit A smart way to borrow responsibly. Save on interest by transferring balances from higher interest debt or help manage life’s unexpected needs for larger purchases. Features Student Line of Credit A Student Line of Credit can help cover your expenses while you are a student -- such as tuition, books and living expenses. Features Personal Term Loans Access the funds you need by borrowing a fixed amount on a one time basis and at a competitive interest rate, to be repaid over a set period of time. Features On-the-Spot RSP Loan Maximize your annual RSP contribution with a flexible On-the-Spot RSP Loan. Features CarryForward RSP Loan Take advantage of any unused RSP contribution room of up to $50,000 with a Carry Forward RSP Loan. Features Auto Loan Get the vehicle that’s right for you with financing that fits your budget. An Auto Loan is a convenient and flexible way to finance a new or used vehicle. Features Overdraft Protection An affordable and convenient way to cover occasional shortfalls in your chequing account for a low monthly fee plus any interest on overdrawn amounts. Features Pay As You Go Overdraft Protection Cover unexpected cash shortfalls and enjoy peace of mind with Pay As You Go Overdraft Protection. Pay only when you use the service. Features TD Credit Cards Request an Authorized User Card Want to add an Authorized User to your TD Credit Card Account? We make it easy. Credit Card Limit Increase Looking to increase the credit limit for your TD Credit Card Account? TD® Aeroplan® Visa Infinite Card With every purchase, the TD® Aeroplan® Visa Infinite* Card helps you get to your dream destination sooner. Features TD® Aeroplan® Visa Platinum Card The TD® Aeroplan® Visa Platinum* Card is a great choice for turning everyday purchases into that special getaway. Features TD® Aeroplan® Visa Infinite PrivilegeTM Card Experience a new level of comfort and luxury from flight rewards to concierge services with the TD® Aeroplan® Visa Infinite PrivilegeTM Card. Features TD First Class Travel Visa Infinite Card Enjoy extensive travel-related features and the freedom to book your trip through any travel agency or website - and still use TD Points. Features TD Platinum Travel Visa Card Book your trip through any travel agency or website, take advantage of last-minute travel deals — and still use your TD Points. Features TD Classic Travel Visa Card Enjoy the freedom to book your trip through any travel agency or website - and still use TD Points. Features TD Green Visa Card Whether you are looking for shopping convenience or you need a Cash Advance, the TD Green Visa Card offers great benefits and services. Features TD Cash Back MasterCard Card This no-fee, credit card makes it easy to earn and redeem your cash back rewards and provides redemption flexibility in terms of when you can redeem and how. Features TD Drivers Rewards Visa Card With the TD Drivers Rewards Visa Card, you earn TD Drivers Rewards Points which you can redeem towards the purchase or lease of your dream vehicle– no matter the make or model. Features TD Emerald Visa Card Card The TD Emerald Visa Card has a variable interest rate and a low annual fee. Features TD Gold Elite Visa Card Receive an annual 1% Cash Rebate on the net purchases made with your TD Gold Elite Visa Card! Features TD Gold Select Visa Card No annual fee and a host of features you'll use every day. Features TD U.S. Dollar Visa Card No more worrying about conversion rates. This U.S. funds-based credit card shows the exact cost of the purchases you made in U.S. dollars and your payments are in U.S. dollars too. Features
GICs and Trading Accounts
TD Canada Trust Tax-Free Savings Account Save for your goals with a registered account that lets you accumulate interest tax-free. Invest your savings in a TD High Interest TFSA Savings Account or TD GICs and Term Deposits. Features TD High Interest Savings Account Take advantage of our premium interest rate on balances over $5,000 and watch your savings grow faster. Features TD Canada Trust GIC A safe way to save money because your initial investment (principal) is protected. And depending on the type of GIC you choose, you may earn a guaranteed rate of return for the term of your investment. Features GIC renewal Looking to renew your GIC's? Get more information or get started. Features TD Direct Investing Self-Directed RSP These accounts allow you to hold all investment types. Features TD Direct Investing Brokerage Basic RSP Features TD Direct Investing Direct Trading Account Cash Account – A cash account may be right for you if you intend to pay cash in full for each purchase
Margin Account – A margin account may be the right choice if you wish to borrow money on securities you currently own or intend to purchase
Accounts, Loans & Credit, Aeroplan, TD Business Credit Cards and Merchant Services
Small Business Banking Business Line of Credit Funds to finance and manage your day-to-day operating costs and grow your business. Features Business Mortgage Finance a new property, expand existing premises, or consolidate your business debts, with a TD Canada Trust Business Mortgage. Features Business Overdraft Protection Protection that ensures temporary shortfalls in your business account are covered up to your limit. Features Business Loan A TD Business Loan offers flexible terms and can be an excellent way to finance purchases, make improvements to assets, and expand your business. Features Canada Small Business Financing Loan Through TD Canada Trust, you can purchase fixed assets with financing provided through a federal government-guaranteed loan program. Features TD Venture Line of Credit Visa Card The business line of credit with credit card convenience and no annual, monthly or application fees. Features TD Visa Business Manage your travel, entertainment and other business expenses with optional monthly detailed management reports. Features TD® Aeroplan® Visa* Business Earn travel rewards faster with the TD® Aeroplan® Visa* for Business Card Features TD Business Travel Visa Get the business travel credit card that works as hard as you do. Features Business Credit Life Insurance Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Features Business Chequing Accounts and Plans Affordable Service Plans to help you manage your day-to -day banking needs. Features Agriculture Services TD’s Agriculture Services credit products can help you expand your operation, improve your cash flow and finance equipment, quota, or livestock. Features Merchant Services Credit & Debit Card Payment Processing Payment solutions that are affordable while offering the latest in point-of-sale technology. Features