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TD Every Day Chequing Account
Plan Highlights
- Additional account benefits
Enjoy EasyWeb® View Cheque service, and paperless record keeping or online statements
- Monthly fee rebate
No monthly fee if you have $3,000 or more in your account at the end of each day in the month1
- Earn big rewards on the little things
Earn 50% more Stars at participating Starbucks® stores. Simply link your eligible TD Access Card with Visa Debit with your Starbucks® Rewards account to start earning. Conditions apply7. Learn more.
Account Fees
Monthly Fee |
$10.95 |
---|---|
Monthly Fee for Seniors (60 or older) |
$8.20 |
Minimum monthly balance for fee rebate1 |
$3,000 |
Transactions included per month2 |
25 |
Additional transaction fee |
$1.25 each |
Interac e-Transfer® |
Free |
Non-TD ATM Fee (in Canada)4 |
$2.00 each |
Foreign ATM Fee (in U.S., Mexico)4 |
$3.00 each |
Foreign ATM Fee (in any other foreign country )4 |
$5.00 each |
Paper Statement |
$2.00 per month |
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New to TD Bank Chequing Program (Terms and Conditions)
Note: Customers that open a new TD Every Day Chequing Account or TD Minimum Chequing Account from November 1, 2024, to February 25, 2025, will be eligible for the Bundle Offer 2 only ($100 cash). Customers that open a TD All-Inclusive Banking Plan or TD Unlimited Chequing Account will be eligible to receive up to $500 cash.
Calculating up to $500 in cash
§ Up to $500 in value is calculated as follows: Offer 1) $400 cash + Bundle Offer 2) $100 cash = $500 total cash value.
Offer 1) Earn $400 in cash upon opening a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account and complete the qualifying criteria in accordance with Offer 1 below.
Bundle Offer 2) Earn $100 in cash upon opening a new TD All-Inclusive Banking Plan, TD Unlimited Chequing Account, TD Every Day Chequing Account or a TD Minimum Chequing Account AND a new TD ePremium Savings Account or TD Every Day Savings Account AND apply for and be approved for a new TD Credit Card in accordance with Bundle Offer 2 below.
Offer 1: Chequing Account $400 Cash Terms and Conditions
† To earn $400 in cash, a customer must
(a) Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account (the Offer 1 Account) between November 1, 2024, to February 25, 2025.
(b) Complete any two of the following with the Offer 1 Account:
- Set up a recurring Direct Deposit from an employer, pension provider or the Government with the first deposit posted to the Offer 1 Account before April 25, 2025. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.
- Make an Online Bill Payment through TD EasyWeb or the TD app, minimum $50, before April 25, 2025.
- Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the Offer 1 Account before April 25, 2025. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
The $400 cash offer is available to Canadian residents that do not have an existing TD Chequing Account and that are the age of majority at time of account opening in their province or territory.
Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
The following are not eligible for the $400 cash offer:
1. Customers who already had a TD Chequing Account that was closed on or after November 1, 2023
2. Customers who already have a TD Chequing Account as of November 1, 2024
3. Customers who received any TD Chequing Account offers from TD in 2022, 2023, 2024; or
4. TD staff members or any TD customers who have a joint account with a TD staff member.
For any Offer 1 Account that is a joint account, at least one account holder must meet the eligibility requirements. Limit of one $400 cash offer per Offer 1 Account. Limit of one $400 cash offer per customer.
The $400 cash will be deposited to the Offer 1 Account within 12 weeks after all required conditions have been met, provided that the Offer 1 Account is still open, in good standing, and the same account type with all conditions continuing to be met. The monthly fee for the Offer 1 Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $400 cash is deposited into the Offer 1 Account.
We can change, extend, or withdraw the $400 cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Bundle Offer 2: $100 Cash Terms and Conditions
◊ To earn $100 in cash, a customer must meet the following conditions:
a. Open a new TD All-Inclusive Banking Plan, TD Unlimited Chequing Account, TD Every Day Chequing Account or TD Minimum Chequing Account (the Offer 2 Account) between November 1, 2024, to February 25, 2025.
b. Open a new TD ePremium Savings Account or TD Every Day Savings Account (the TD Savings Account) by April 25, 2025, and complete one of the following with the TD Savings Account;
i. Set up a Pre-authorized Transfer Service with the first transaction processed by July 25, 2025. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month;
ii. Set up Simply Save with the first transaction processed by July 25, 2025; and
c. Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a New TD Credit Card) by April 25, 2025. The New TD Credit Card must be kept open, active and in Good Standing for 60 days after account opening.
The $100 cash offer (Bundle Offer 2) is available to Canadian residents that are the age of majority at the time of the TD Savings Account and new TD Credit Card opening in their province or territory.
We reserve the right to limit the number of accounts opened by any one person. Bundle Offer 2 may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Customers that open a new TD Every Day Chequing Account or TD Minimum Chequing Account from November 1, 2024, to February 25, 2025, will be eligible for the Bundle Offer 2 only, not the $400 cash TD Chequing Account offer (Offer 1).
The following are not eligible to earn the Bundle Offer 2:
- Customers who already had a TD Chequing Account that was closed on or after November 1, 2023,
- Customers who already have a TD Savings Account as of November 1, 2024,
- Customers who had a TD Savings Account that was closed on or after November 1, 2023,
- Customers who received any Savings Account offer from TD in 2022, 2023, 2024; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
- Customers who are a Primary Cardholder of a personal TD Credit Card as of November 1, 2024
- Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.
The $100 will be deposited to the Offer 2 Account within 12 weeks after all required Bundle Offer 2 conditions have been met, provided that the Offer 2 Account, the TD Savings Account and TD Credit Card are all still open, in Good Standing, and with the same Chequing Account type. All required conditions must continue to be met until fulfillment of the Bundle Offer 2. Maximum offer of $100 per TD Savings Account and new Credit Card opened during the offer period. Maximum offer of up to $100 per customer.
We can change, extend, or withdraw the Bundle Offer 2 at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
1 You pay no monthly fee if you have the minimum monthly balance indicated or more in your account at the end of each day in the month.
2 For more information about transactions and a complete list of account fees, click here for Account and Other Related Service Fees. For information on our general services, please view our General List of Services.
3 If you've already made 25 transactions in the month, you'll pay a $1.25 transaction fee.
4 You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.
5 Cheques must be drawn on a Canadian financial institution. Cheques payable in Canadian currency must be deposited to an eligible Canadian dollar account and cheques payable in U.S. currency must be deposited to an eligible U.S. dollar account.
6 Subject to approval. All overdrafts must be paid within 89 days, are subject to an interest rate of 21% per annum (subject to change) on the overdrawn amount, and that subsequent deposits to your account will automatically be applied to pay off the overdraft. Overdraft interest rate is subject to change.
7Link with Starbucks Rewards Offer & Privacy Terms
Link with Starbucks Rewards Offer:
- The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card with Visa Debit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa Debit: for more information about transactions and a complete list of account fees, Account and Other Related Service Fees (PDF). For information on our general services, please view our General List of Services (PDF).
- The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at www.starbucks.ca/terms (“Starbucks Rewards Terms of Use”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
- The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, "Starbucks"), and allows customers to earn stars (“Stars”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “Reward” and collectively “Rewards”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.
Linking to the Offer:
- You can only access this Offer in My TD Rewards which is available through your TD EasyWeb Account and/or a TD mobile app account.
- There is no fee to participate in the Offer.
- When you link eligible TD Credit Cards and TD Access Cards with Visa Debit to your Starbucks Rewards account in My TD Rewards, you opt-into the Offer.
- If you de-link from this Offer in My TD Rewards, you opt-out of the Offer and you will no longer participate in the Offer. You can opt-out of this Offer at any time. To opt-out of the Offer by de-linking, follow the instructions in My TD Rewards.
- While you are opted into the Offer, and as long as you meet all requirements of the terms of this Offer, you will (as applicable):
- earn bonus Stars with your eligible TD Credit Card or your TD Access Card with Visa Debit (bonus Stars),
- for certain eligible TD Credit Cards, you can earn bonus TD points, or Aeroplan points, as applicable for your TD Credit Card (bonus points),
- For select TD Credit Cards, you can redeem your TD points for Stars
Eligible TD accounts:
- Only TD Access Cards with Visa Debit can participate the Offer.
- The following TD Credit Cards are eligible TD Credit Cards that can participate in this Offer:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card
- TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Aeroplan Visa Business Card
- TD Cash Back Visa Card, TD Cash Back Visa Infinite Card, TD Business Cash Back Visa Card
- TD Emerald Flex Rate Visa Card, TD Business Select Rate Visa Card
- TD Green Visa Card, TD Venture Visa Card
Participation in the Offer:
- For eligible TD Credit Cards Accounts, both the Primary Cardholder and any Additional Cardholder can participate.
- For TD Access Card with Visa Debit, any account holder on the same account can participate.
- You must be a member of the Starbucks Rewards program.
- You must keep your eligible TD Credit Card or your TD Access Card with Visa Debit open, active and in Good Standing.
Eligible Purchases:
- For the purpose of this Offer, Eligible Purchases means the following:
- Any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards (“Starbucks Cards”), at Participating Starbucks Stores (as defined below); and
- Adding funds to the Starbucks Card(s) registered to your Starbucks Rewards account (“Reload”) using an eligible TD Credit Card, or using a TD Access Card with Visa Debit, as applicable. To learn more about registering your Starbucks Card to your account, visit Starbucks.ca/rewards.
Participating Starbucks Stores:
- Participating Starbucks Stores are Starbucks locations in Canada that honor Starbucks Rewards. To locate stores that honor Starbucks Rewards, visit www.starbucks.ca/store-locator and look for stores that list “Redeem Rewards” as one of the store amenities.
Earning bonus Stars:
- First: You must link your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account in My TD Rewards.
- Second: Add your eligible TD Credit Card or your TD Access Card with Visa Debit as a linked method of payment within the Starbucks app, and then use it to order ahead or pay at the register for an Eligible Purchase at a Participating Starbucks Store. To learn more about adding your TD Credit Card or your TD Access Card with Visa Debit as your payment method to the Starbucks app, visit Starbucks.ca/rewards
- You can also earn bonus Stars when you Reload your Starbucks Card using your eligible TD Credit Card, or your TD Access Card with Visa Debit linked to this Offer.
- Here is a chart that sets out how many bonus Stars you will earn with this Offer when you meet the terms of this Offer:
Reloading your Starbucks Card 1 Star for every $1.00 Canadian Dollar spent when you Reload your registered Starbucks Card using your linked eligible TD Credit Card or your TD Access Card with Visa Debit. Making an Eligible Purchase through the Starbucks app: 0.50 Star for every $1.00 Canadian Dollar spent when you add your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account and use it to pay through the Starbucks app (either by scanning it in person at the register or ordering ahead via mobile order and pay). To learn more about adding your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account, visit Starbucks.ca/rewards. - You can check your Star balance and available Rewards, as well as any additional benefits for which you are eligible as a Starbucks Rewards member, on www.starbucks.ca/rewards or by using the Starbucks app.
- If you would like to report an error for your Stars earned under this Offer, you must contact Starbucks using the information stated below under "Additional Terms".
Earning bonus points:
- When you meet the terms set out in this Offer, select eligible TD Credit Cards (set out below) can earn bonus points on Eligible Purchases. TD Access Cards with Visa Debit do not earn bonus points.
- The number of bonus points that you can earn will depend on the type of eligible TD Credit Card you have. The bonus points you earn under this Offer are in addition to regular points you can earn under the rewards program connected to your eligible TD Credit Card.
- You can only earn bonus points on the net Eligible Purchases charged and posted to the Account. This means that credits for refunds, returned items and other similar credits for Purchases may reduce or cancel the bonus points earned.
- The select eligible TD Credit Card listed below can earn bonus points under this Offer:
TD Rewards Visa Card 1 TD point for every $1.00 in Eligible Purchases TD Platinum Travel Visa Card 1 TD point for every $1.00 in Eligible Purchases TD First Class Travel Visa Infinite Card 1.50 TD point for every $1.00 in Eligible Purchases TD Aeroplan Visa Platinum Card 0.50 Aeroplan point for every $1.50 in Eligible Purchases TD Aeroplan Visa Infinite Card 0.75 Aeroplan point for every $1.00 in Eligible Purchases TD Aeroplan Visa Infinite Privilege Card 0.75 Aeroplan point for every $1.00 in Eligible Purchases TD Business Travel Visa Card 3 TD point for every $1.00 in Eligible Purchases TD Aeroplan Visa Business Card 0.75 Aeroplan point for every $1.00 in Eligible Purchases - The way we will show you the number of bonus points you have earned with this Offer will depend on the type of TD Credit Card you have:
- For TD Aeroplan Credit Cards: We will show you the number of Aeroplan points you have earned with your TD Credit Card in a particular statement period on the Account’s monthly statement. Your bonus points earned under this Offer will be included in your total points balance shown on your Account's monthly statement. Once the Aeroplan points are awarded to the Aeroplan Member Account, you can check your Aeroplan points balance directly with Aeroplan. If you would like to know about the bonus points earned under this Offer, you can contact us using the information provided below.
- For TD Rewards Credit Cards: You can see number of bonus TD points you have earned with this Offer in both TDrewards.com and My TD Rewards in real-time. You can also review your total TD points balance in your Account's monthly statement.
Redeeming TD points for Stars:
- The following eligible TD Credit Cards can redeem TD points for Stars:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card.
- To redeem your TD points for Stars:
- Your eligible TD Credit Card linked to this Offer must be open, active and in Good Standing.
- Your Starbucks Rewards account must be open and active.
- You must link your eligible TD Credit Card to your Starbucks Rewards account in My TD Rewards.
- Either the Primary Cardholder or any Additional Cardholder can instruct us to redeem TD points for Stars in My TD Rewards in one of the following manners:
One Time
Redemption- Redeem your TD points at any time for Stars in My TD Rewards as long as the eligible TD Credit Card Account linked to this Offer has a minimum of 700 TD points.
Auto-redemption: - You can tell us in My TD Rewards to automatically redeem your TD points by the date, frequency, and the number of TD points you specify.
- When you select this option, we will automatically review your instructions on a daily basis (business day only) and process your redemption when it applies.
- If you want to modify or cancel this option, we will process the modification or cancellation on the same business day if submitted before 11pm Eastern Standard Time (EST), or it will be completed the following business day.
- No matter which redemption option you select, we cannot reverse a redemption once the TD points are redeemed. We process your redemption request under this Offer in real-time.
- The Primary Cardholder or any Additional Cardholder can redeem TD points for Stars. We will rely on the first set of instructions we receive either from the Primary Cardholder or an Additional Cardholder to redeem TD points for Stars with this Offer. Our electronic time-keeping methods will be definitive in determining the time and date of receipt by us of any redemption instructions.
Additional Terms:
- My TD Rewards is located online in EasyWeb and in the TD mobile app. We may create new ways for you to access My TD Rewards or we may change where you can access My TD Rewards.
- This Offer may be changed, extended, or withdrawn at any time without notice. If we provide notice, we will provide it using electronic means.
- We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in Good Standing.
- Starbucks may also restrict, cancel, or terminate any person or cardholder’s ability to participate in the Offer and such restriction, cancelation or termination may be with or without notice.
- This Offer will be in addition to any other offers available for the eligible TD Credit Cards and TD Access Cards with Visa Debit.
- We are not responsible for the Starbucks Rewards program, or the terms that govern the Starbucks Rewards program, including the expiry or cancellation of Stars, redemption conditions, benefits, features, or services of the Starbucks Rewards program, and its availability, cancellation or termination. This also includes no responsibility for the services supplied under the Starbucks Rewards program, or for any actions or omissions. We will not accept any responsibility for any loss or damages caused by goods or services supplied or requested in connection with the Starbucks Rewards program.
- Starbucks is not liable or responsible for My TD Rewards, the terms that govern your TD Access Cards with Visa Debit card, or terms that govern the eligible TD Credit Cards (including the applicable reward program term and condition linked to the eligible TD Credit Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.
Privacy:
By choosing to participate and link an eligible TD Visa Card or TD Visa Access Card with Visa Debit, you agree TD may disclose information about your transactions as well as TD and Starbucks Rewards to Starbucks Stars in order to administer the Offer. This includes information about your TD and Starbucks Rewards memberships and balances, the time and amount of a transaction, how a transaction was completed, and any rewards points you transfer.
Any information you provide directly to TD or that TD obtains about you as a TD Bank customer or participant in the Offer will be governed by The TD Privacy Policy.
Any information you provide directly to Starbucks or that Starbucks obtains about you as a Starbucks customer or participant in the Offer will be governed by Starbucks’ Privacy Notice.
Contact:
- To contact us, use one of the following methods:
Contact Details Starbucks Online: https://customerservice.starbucks.ca/
Online Chat: https://customerservice.starbucks.com/app/contact/ask/
By Phone: 1-800-782-7282TD Easy Line Telephone Banking
For all other questionsOnline: TD.com
By Phone: 1-800-983-8472
By Mail: TD Credit Cards
P.O. Box 300
TD Centre
Toronto, Ontario M5K 1K6
®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
*Trademark of Visa International Service Association; Used under license.
®Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
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