Access Card

Access Card

Family choosing a bank account

Use your TD Access Card when
you shop in-store or online.

It's safe, easy, convenient and fast.

 

Your TD Access Card provides you access to your TD Canada Trust bank account, plus it can be used to make debit purchases in-store, online & around the world.

Payments are always made directly from your TD Canada Trust bank account, helping you better manage your finances and budgeting.

 
 

 
 

Features and Benefits

 
 

Make everyday purchases with Interac Flash

  • Everyday convenience – pay for in-store purchases quickly and securely with
    Interac Flash at participating retailers. Simply hold it up to the terminal – no need to swipe or insert your TD Access Card.
  • Flash spend limits – for your protection, a PIN is required for every $100 you spend in single purchases or $200 in multiple purchases.
 

Shop online and worldwide with the safety and security of Visa Debit

  • Your TD Access Card provides the simplicity of debit with the acceptance of Visa. All purchases made with your card will continue to access your funds directly from your TD Canada Trust bank account. Your debit card has never been more universal.
  • Expand Your Options — With the Visa Debit feature of your card, you can shop securely online at thousands of merchants. You can also enjoy the functionality of shopping with your TD Access Card in over 200 countries outside of Canada wherever Visa is accepted.1
  • Access Your Cash — The Visa Debit feature of your TD Access Card allows you to withdraw cash at more than 2.2 million ATMs around the world displaying the Visa acceptance mark.
  • Security — Visa Debit transactions are safe and secure, with multiple security elements built in to protect you.
  • Get TD Fraud Alerts – we will instantly2 send you text messages notifying you if we detect suspicious activity made with your TD Access Card for your personal banking accounts.
  • In addition, Visa Zero Liability5 provides protection to ensure you’re not responsible for fraudulent charges made with your account information or with a lost or stolen card, provided you have met your cardholder obligations including your responsibility to protect your PIN.
  • Download TD MySpend to get real-time notifications every time a transaction is made using your TD Access Card as well as review your spending from the previous day with Daily Digest notifications. That way, you can keep an eye on your spending and quickly notice if anything seems off.
  • Learn more about potential service fees for using your Access Card for cash withdrawals at non-TD ATMs outside of Canada or purchases in a foreign currency.

Expand FX Fees Chart

Scenario Transaction Fee FX Fee
Foreign currency withdrawal at a non-TD ATM outside Canada $3 in the United States or Mexico
$5 in any country outside of Canada, the United States or Mexico

No service fees at TD Bank, AMCB ATMs

No service fees if you have a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account
The transaction amount, including any ATM provider fees incurred by the client, will be converted to Canadian dollars based on the exchange rate set by Visa International in effect on the date the transaction is posted to your account and will include a fee equal to 3.5% of the converted amount.
Foreign currency debit purchase outside Canada using a TD Access Card with a Visa Debit logo N/A 3.5% of the Canadian dollar amount after conversion of the foreign currency amount at the rate set by Visa International
Foreign currency debit purchase outside Canada using a TD Access Card that does not have a Visa Debit logo (NYCE) N/A 0.035 is added to the exchange rate set by Interac Corp.
 

Your payments are safe and secure

Shop with your TD Access Card knowing you are protected in the unlikely event of unauthorized activity on your account. Want to know more about the security elements built into your TD Access Card? Find out what makes your Card secure in the Security Features section below.

Features and Benefits only refer to the card displayed
 

Visit any TD Canada Trust branch or call EasyLine at 1-866-222-3456 to receive a TD Access Card.

Your TD Access Card gives you secure access to your TD Canada Trust bank accounts. No one can access your accounts without your unique TD Access Card number and your confidential Personal Identification Number (PIN), EasyLine PhoneCode or EasyWeb password.

Expand Chip technology

TD Access Cards have an embedded microchip that stores information in a secure, encrypted format. This prevents unauthorized users to copy or access the information on your card when using chip-enabled terminals or ATMs.

Expand PIN processing

Your TD Access Card comes with a pre-assigned and confidential four-digit PIN for debit and ATM transactions. We recommend that you change this to a PIN of your own choice that is at least four digits long.

Change your PIN at any time

  • You can change your PIN at your TD branch. After verifying your identity, the branch will help you select a new PIN. If you forget your PIN, you must visit a branch to receive a new one.
  • You can also change your PIN at any Green Machine ATM location.

Always protect your PIN

  • Memorize your PIN. Never keep a record of your PIN near your TD Access Card.
  • Avoid choosing a PIN that might be easily guessed (such as your birthday, phone number or address).
  • Don’t tell anyone your PIN.
  • When entering your PIN, take precautions to keep it from the view of others.

If you plan to use your TD Access Card at ATMs internationally (using Visa's PLUS network), it is recommended that your PIN be at least 4 digits long and that the TD Canada Trust accounts you wish to access be connected to the Chequing button. Find a PLUS ATM at your next destination.

*The Plus Network is operated by Visa International who is responsible for ensuring all member banks are compliant with current standards to allow withdrawals by all PLUS cardholders.

Expand Verified by Visa, Visa Zero Liability and Interac Zero Liability

Verified by Visa: Verified by Visa is a free joint effort between the Visa issuing banks, Visa Canada and participating retailers to provide you with increased security and convenience when you shop online. Visa offers comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security when you enter your TD Access card information online. You are automatically protected – and no additional sign-up or password is required. This program is offered to Visa cardholders at no additional cost and exists to help protect you against fraudulent transactions. All you need to do is shop as you always do online; Verified by Visa operates invisibly in the background.

Visa Zero Liability: Visa Zero Liability applies to all online and international transactions. Should your TD 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. You are automatically protected – and no additional sign-up is required.

Interac Zero Liability: Interac Zero Liability applies to transactions completed using Interac Flash. Should your TD Access Card become compromised, you will not be held liable for unauthorized Interac Flash transactions as long as you have met your obligations as outlined in the Cardholder and Electronic Financial Services Terms and Conditions.

Expand Lost or stolen card service

If your TD Access Card is lost or stolen, call 1-866-222-3456 or go to your nearest TD Canada Trust branch immediately to obtain a replacement card.

Note: The use of your TD Access Card is governed by the terms of the Financial Services Agreement and Cardholder and Electronic Financial Services Terms and Conditions.

Please be sure to check your TD Canada Trust bank account on a regular basis to verify that you made the Access Card transactions that are shown. This can be done through statements you receive by mail or on EasyWeb.

Expand General

Expand Are there any fees for the TD Access Card?

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 ensure you are in the account that best meets your financial needs.
For Visa Debit purchases at merchants outside of Canada, 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 3.5% of the converted amount.

Expand My current TD-issued debit card has 13 digits and does not look like the card shown on this page. What do I do?

You currently have a legacy access card. This card can only be used to conduct debit transactions in-store at Canadian retailers, and access EasyLine and EasyWeb services. Call to speak to a TD Canada Trust representative or visit a branch about obtaining the TD Access Card.

Expand How do I identify Visa Debit transactions or Interac Flash transactions on my statements or through EasyWeb and EasyLine?

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".

Expand Interac Flash

Expand What is Interac Flash?

Interac Flash is a contactless enhancement of Interac Debit that allows you to quickly pay for everyday purchases up to $100 at participating Canadian retailers, without signing for a purchase or entering a PIN.

Expand Which merchants accept Interac Flash?

Interac Flash is accepted at thousands of your favourite Canadian retailers, fast food outlets, gas stations, and movie theatres. Look for the Interac Flash logo and contactless wave symbol next time you're shopping.

Expand Is Interac Flash a mandatory feature?

No, Interac Flash is a safe and convenient optional feature that can be enabled or disabled any time.

Expand Are there any spend limits for Interac Flash?

A single transaction can’t exceed $100. If your purchase is above this amount, you will be prompted to insert your card and enter your PIN.

As an added layer of protection, there is also a cumulative spend limit of $200 for Interac Flash transactions. This is the sum of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your card and enter your PIN. This will reset your limit so you can continue to use Interac Flash.

Expand Will I still get a receipt for Interac Flash transactions?

Yes, merchants will provide receipts for Interac Flash transactions like they do for regular Interac Debit transactions.

Expand Is Interac Flash a safe payment method?

Yes, Interac Flash is a safe and secure way to shop. Transactions are covered by Interac Zero Liability, which protects you against unauthorized activity on your accounts. If your TD Access Card is lost or stolen, call 1-866-222-3456 or go to your nearest TD Canada Trust branch immediately to obtain a replacement card.

Expand Visa Debit

Expand The TD Access Card has a Visa logo and an Interac logo on it. Is it both a credit card and a debit card?

No, the TD Access Card is strictly a chip enabled debit card, NOT a credit card. The Visa logo confers additional functionality to the card. All purchases made with the TD Access Card will continue to access your funds directly from your TD Canada Trust bank account.

Expand What is Visa Debit and how does it work?

Visa Debit allows you to make debit purchases in person internationally, online, over the phone directly, and by mail-order from your TD Canada Trust bank account.

Expand Are there spend limits for online, phone and mail-order transactions?

Yes, daily spending limits are applied to online, phone and mail-order transactions made using your Access Card. The online, phone and mail-order limits can be adjusted based on your preferences. For more information, call 1-866-222-3456 to speak to a TD Canada Trust representative.

Expand For purchases made internationally, online, on the phone or by mail-order, will the amount be debited from my bank account right away?

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.

Expand Which online merchants accept Visa Debit?

Thousands of your favourite merchants accept Visa Debit and many more are added each month.
Check out the list of accepting merchants by clicking on "Visa Debit Merchants" from this page.

Expand How do I use my TD Access Card online?

When shopping online, simply select Visa Debit (if you don't see that option, select Visa), type in your 16 digit card number, expiry date and 3 digit security (CVV2) number on the back. The purchase amount will then be debited directly from your TD Canada Trust bank account.

Expand Can I use Interac Online?

No, you cannot use Interac Online. Online debit transactions can only be conducted where Visa Debit is accepted. In cases where Interac Online is being used to make a bill payment (e.g. Canada Revenue Agency), you can use the "Pay a Bill" feature in EasyWeb to complete the transaction.

Expand Can I use the TD Access Card internationally?

Yes, wherever Visa is accepted around the world. Depending on the location, you may be required to enter your PIN and/or sign for the transaction.

Expand Is the PLUS access fee waived if I use my TD Access Card at a TD Bank, America's Most Convenient Bank ATM in the US?

Yes, PLUS fees are waived when using TD Bank, America's Most Convenient Bank ATMs in the US.

Expand Can I use my TD Access Card to set up a recurring payment?

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 Canada Trust bank account by providing your TD Access Card number and the expiry date.

Expand Can I use my TD Access Card to make reservations for hotels or car rentals?

Yes, you can use your TD Access 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.



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