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You’re opening a TD Unlimited Chequing Account
Save time and add a new Savings account or TD Credit Card account in one application!
Multiple TD Credit Cards cannot be applied for using one application.
Earn points with the TD® Aeroplan® Visa Infinite* Card and get closer to your next trip.4
Multiple TD Credit Cards cannot be applied for using one application.
Earn cash back dollars. Redeem them to help pay down your account balance11
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1 No transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
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 $5 monthly fee for TD Chequing Accounts: TD Minimum Chequing Account, TD Every Day Chequing Account, TD Unlimited Chequing Account and TD All-Inclusive Banking Plan.
Interest rates, fees and features are effective as of April 30, 2025, unless otherwise indicated, and are subject to change.
4 The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.
Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 30, 2024. Redemption calculation is based on actual flight redemptions made by cardholders between the period of November 8, 2020 – September 30, 2024.
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to an offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account
5 Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.
Quebec Only:
- Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
- Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
- Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
- Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
- Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
6 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.
7 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS program membership application fee (new and renewal), whether or not the applicant is approved for membership in the NEXUS program (each, a "NEXUS Statement Credit"). There is a maximum of four (4) NEXUS Statement Credits available when a qualifying NEXUS program membership application fee is posted to the Account in any given 48-month period and the number of available NEXUS Statement Credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS program membership application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS program membership application fee is posted to the Account. To be eligible for the NEXUS Statement Credit, the Account must be in good standing at the time the NEXUS program membership application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not involved with or responsible for the NEXUS program.
8 Earn 1% in Cash Back Dollars on Purchases you make on your TD Cash Back Visa Card ("Account") at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments"). The Cash Back Dollar earn rate for the following purchase categories: (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases is only available on the first $5,000 in annual Purchases in that category ("Annual Cap"). If your total Purchases in one of these categories (i) through (iv) exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in that category for the remainder of the year. If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
9 Earn 0.5% in Cash Back Dollars ("Base Earn Rate") on all other Purchases that do not fall into any other Purchase category identified in the TD Cash Back Program Terms and Conditions ("Other Purchases") charged to your TD Cash Back Visa Card ("Account").
10 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.
11 Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time must be for a minimum amount of $25, unless otherwise stated. Cash Back Dollars will continue to accrue until redemption instructions are provided. For more details on how to redeem Cash Back Dollars, please see the "TD Cash Back Program Terms and Conditions" available at td.com/agreements.
Interac e-Transfer® is a registered trade-mark of Interac Corp. Used under licence
TD New to Bank Offer (Terms and Conditions)
Calculating up to $700 in cash
§ Up to $700 in value is calculated as follows: Offer 1) $450 cash + Offer 2) $50 cash + Offer 3) $200 cash based on $10,000 new deposit balance = $700 total cash value.
Offer 1) Earn $450 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by November 5, 2025, and complete the qualifying criteria in accordance with Offer 1 below.
Offer 2) Earn $50 in cash by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth™ Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 2 below.
Offer 3) Earn $200 in cash based on a $10,000 new savings deposit balance, by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 3 below.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
Offer 1: Chequing Account $450 Cash
† The $450 cash offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory. To earn $450 in cash, you must:
- Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025.
- Complete any two of the following with the New Chequing Account:
- Set up a recurring Direct Deposit from an employer, pension provider or government with the first deposit posted to the New Chequing Account before January 9, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
- Make an Online Bill Payment through TD EasyWeb or the TD app (minimum $50) before January 9, 2026.
- Set up a recurring Pre-Authorized Debit (minimum $50) with the first Pre-Authorized Debit posted to the New Chequing Account before January 9, 2026. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
The following are not eligible for the $450 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $450 cash offer per New Chequing Account. Limit of one $450 cash offer per customer.
The $450 cash will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account is still open, in good standing, and all conditions continue to be met at the time of fulfillment. The monthly fee for the New Chequing 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, before the $450 cash is deposited into the New Chequing Account.
We can change, extend, or withdraw this 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.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: Savings Account $50 Cash
◊ The $50 cash offer is available to Canadian residents that are of the age of majority at time of account opening in their province or territory. To earn $50 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- (b) Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Complete one of the following with the New Savings Account or TFSA HISA:
- Set up a pre-authorized transfer service with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
- Set up Simply Save with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening.
The following are not eligible for the $50 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TD Canada Trust Tax-Free Savings Account , TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $50 cash offer per New Savings Account or TFSA HISA. Limit of one $50 cash offer per customer.
The $50 cash offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continue to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the $50 cash offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the $50 cash offer will be deposited into the TFSA HISA.
We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 3: Savings Deposit Offer
∞ The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory. To earn between $200 to $2,400 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account or TFSA HISA from another financial institution(s) within 30 days, in the case of a New Savings Account opening, or within 60 days in the case of a TFSA HISA opening, and maintain the balance for 120 days (the "Qualifying Deposit"), subject to the following:
- If a customer withdraws or transfers any part of the Qualifying Deposit during the 120-day period, the amount of the Qualifying Deposit will be reduced accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer.
- If a customer opens both a New Savings Account and TFSA HISA, or multiple New Savings Accounts and/or multiple TFSA HISAs, within 30 days of the New Chequing Account opening, the Qualifying Deposits in the New Savings Account(s) and/or TFSA HISA(s) cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account or TFSA HISA with the greatest Qualifying Deposit.
- If any part of the Qualifying Deposit is being transferred directly from another financial institution(s), all funds must be received from the other financial institution(s) by TD and deposited into the account within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA.
- For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit.
The following are not eligible for the Savings Deposit Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding tax Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
At the end of the 120-day period, the amount of the Savings Deposit Offer (maximum $2,400) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:
Qualifying Deposit |
Cash Offer |
$10,000.00 to $24,999.99 |
$200.00 |
$25,000.00 to $49,999.99 |
$300.00 |
$50,000.00 to $99,999.99 |
$600.00 |
$100,000.00 to $199,999.99 |
$1,200.00 |
$200,000.00+ |
$2,400.00 |
Limit of one Savings Deposit Offer per eligible account. Limit of one Savings Deposit Offer per customer. The Savings Deposit Offer is limited to a maximum of $2,400.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Savings Deposit Offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continuing to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the Savings Deposit Offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the Savings Deposit Offer will be deposited into the TFSA HISA.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their new TFSA HISA exceeds their contribution limits under the applicable tax legislation.
We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
TD® Aeroplan® Visa Infinite* Card
Credit Card Fees
|
Service |
Fee |
|---|---|
|
Annual Fee |
$139 |
|
Interest: Purchases |
21.99% |
|
Interest: Cash Advances |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
Additional Cardholder5 |
$75 |
when you add Overdraft Protection to your new chequing account.
TD Every Day Savings Account Details
Account Fees
|
Service |
Fee |
|---|---|
|
Monthly Fee |
$0 |
|
Transactions included per month1 |
1 |
|
Additional Transactions1 |
$3.00 each |
|
Free Transfers to your other TD accounts2 |
Unlimited |
|
Non-TD ATM Fee (in Canada)3 |
$2.00 each |
|
Foreign ATM Fee (in U.S., Mexico)3 |
$3.00 each |
|
Foreign ATM Fee (in any other foreign country)3 |
$5.00 each |
|
Paper Statement |
$2.00 per month |
1 No transaction fees for transfers or pre-authorized transfer services from this account to another TD Chequing or Savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
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 $5 monthly fee for TD Chequing Accounts: TD Minimum Chequing Account, TD Every Day Chequing Account, TD Unlimited Chequing Account and TD All-Inclusive Banking Plan.
Interac e-Transfer® is a registered trade-mark of Interac Corp. Used under licence
TD Cash Back Visa* Card
Credit Card Fees
|
Service |
Fee |
|---|---|
|
Annual Fee |
$0 |
|
Interest: Purchases |
21.99% |
|
Interest: Cash Advances |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
Additional Cardholder5 |
$0 |