Bank Accounts
TD: accounts and charges
8 accounts captured from TD's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
TD All-Inclusive Banking Plan
Type: chequing
| Monthly fee | $30.95 |
|---|---|
| Fee waiver minimum balance | $6,000 |
| Included transactions | Unlimited |
| Excess transaction fee | No fee |
| Interac e-Transfer fee | Free |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee/month (Monthly Overdraft Protection) plus 21% annual interest on the overdraft balance; or Pay As You Go: $5 daily maximum fee, plus 21% annual interest (not available on Quebec accounts); Payment Coverage Fee $5 plus 21% annual interest if TD pays an item without protection |
| ATM fees | Non-TD ATM Transaction Fee (Canada): No fee |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly fee $30.95 or $0 with a minimum daily account balance of $6,000. Own-network (TD ATM) fee was not separately stated in the excerpt reached, atm_fees records the published non-TD ATM fee. Welcome bonus not published on the TD fees page reached, so null.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges | Captured 2026-11-15
TD Unlimited Chequing Account
Type: chequing
| Monthly fee | $17.95 |
|---|---|
| Fee waiver minimum balance | $4,000 |
| Included transactions | Unlimited |
| Excess transaction fee | No fee |
| Interac e-Transfer fee | Free |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee/month (Monthly Overdraft Protection) plus 21% annual interest on the overdraft balance; or Pay As You Go: $5 daily maximum fee, plus 21% annual interest (not available on Quebec accounts); Payment Coverage Fee $5 plus 21% annual interest if TD pays an item without protection |
| ATM fees | Non-TD ATM Transaction Fee (Canada): No fee |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly fee $17.95 or $0 with a minimum daily account balance of $4,000. Welcome bonus not published on the TD fees page reached, so null.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges | Captured 2026-11-15
TD Every Day Chequing Account
Type: chequing
| Monthly fee | $11.95 |
|---|---|
| Fee waiver minimum balance | $3,000 |
| Included transactions | 25 plus unlimited public transit transactions |
| Excess transaction fee | $1.25 |
| Interac e-Transfer fee | Free |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee/month (Monthly Overdraft Protection) plus 21% annual interest on the overdraft balance; or Pay As You Go: $5 daily maximum fee, plus 21% annual interest (not available on Quebec accounts); Payment Coverage Fee $5 plus 21% annual interest if TD pays an item without protection |
| ATM fees | Non-TD ATM Transaction Fee (Canada): $2 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly fee $11.95 or $0 with a minimum daily account balance of $3,000.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges | Captured 2026-11-15
TD Minimum Chequing Account
Type: chequing
| Monthly fee | $3.95 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 12 (includes up to 2 full-serve transactions per month, plus unlimited public transit transactions) |
| Excess transaction fee | $1.25 |
| Interac e-Transfer fee | Free to send; Interac e-Transfer Request Money: Up to $100: $0.50 each, Over $100: $1 each |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee/month (Monthly Overdraft Protection) plus 21% annual interest on the overdraft balance; or Pay As You Go: $5 daily maximum fee, plus 21% annual interest (not available on Quebec accounts); Payment Coverage Fee $5 plus 21% annual interest if TD pays an item without protection |
| ATM fees | Non-TD ATM Transaction Fee (Canada): $2 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
No minimum account balance fee rebate per TD fees page. Monthly fee is $0 if receiving the Guaranteed Income Supplement or a beneficiary of the Registered Disability Savings Plan or Indigenous Peoples from Canada or a Newcomer to Canada (for 1st year in Canada), per TD fees page.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges | Captured 2026-11-15
TD Student Chequing Account
Type: chequing
| Monthly fee | $0 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | No fee |
| Interac e-Transfer fee | Free |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $0 fee/month (Monthly Overdraft Protection) plus 21% annual interest on the overdraft balance; Pay As You Go: $5 daily maximum fee, plus 21% annual interest (not available on Quebec accounts) |
| ATM fees | Non-TD ATM Transaction Fee (Canada): $2 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
$0 monthly fee until 23 years old or with proof of enrollment in full-time post-secondary education, per TD chequing page. No minimum account balance fee rebate.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges | Captured 2026-11-15
TD Every Day Savings Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 1 |
| Excess transaction fee | $3 for each extra transaction. Transfers between your TD chequing and savings accounts are free (except by cheque or Interac e-Transfer) |
| Interac e-Transfer fee | $0.50 each if up to $100 sent, $1 each if over $100 sent (from non-chequing accounts) |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee plus 21% annual interest on overdraft balance if TD approves a cheque or payment that is higher than the available balance (Payment Coverage Fee) |
| ATM fees | Not in the published capture |
| Published welcome bonus | Earn a 4% Bonus Interest Rate for 90 days with a new eligible savings account (TD savings offer, open by January 29, 2027); total promotional rate for 90 days 4.01% |
| Interest rate as published | 0.010% (all balance tiers) |
Monthly fee was not stated in the TD savings fees excerpt reached, so null. Interest 0.010% on all tiers per TD About Our Interest Calculations, as of October 30, 2026. ATM fees not published on the savings fees page reached, so null.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts-fees-services-charges-cad-savings | Captured 2026-11-15
TD ePremium Savings Account
Type: hisa
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 0 |
| Excess transaction fee | $5 for each transaction. Transfers between your TD chequing and savings accounts are free only when using EasyWeb Online banking or the TD app (and not by cheque or Interac e-Transfer) |
| Interac e-Transfer fee | $0.50 each if up to $100 sent, $1 each if over $100 sent (from non-chequing accounts) |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee plus 21% annual interest on overdraft balance if TD approves a cheque or payment that is higher than the available balance (Payment Coverage Fee) |
| ATM fees | Not in the published capture |
| Published welcome bonus | Earn a 4% Bonus Interest Rate for 90 days with a new eligible savings account (TD savings offer, open by January 29, 2027); total promotional rate for 90 days 4.55% |
| Interest rate as published | 0.000% on balances up to $9,999.99; 0.550% on balances of $10,000.00 or more |
Monthly fee was not stated in the TD savings fees excerpt reached, so null. Rates per TD About Our Interest Calculations, as of October 30, 2026 (0.550% tier). ATM fees not published on pages reached, so null.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts/savings-accounts/epremium-savings-account | Captured 2026-11-15
TD Growth Savings Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 0 |
| Excess transaction fee | $5 for each transaction. Transfers between your TD chequing and savings accounts are free (except by cheque or Interac e-Transfer) |
| Interac e-Transfer fee | $0.50 each if up to $100 sent, $1 each if over $100 sent (from non-chequing accounts) |
| NSF fee | $10 fee if a cheque or payment is higher than the available balance in the account |
| Overdraft | $5 fee plus 21% annual interest on overdraft balance if TD approves a cheque or payment that is higher than the available balance (Payment Coverage Fee) |
| ATM fees | Not in the published capture |
| Published welcome bonus | Earn a 4% Bonus Interest Rate for 90 days with a new eligible savings account (TD savings offer, open by January 29, 2027); total promotional rate for 90 days up to 5.75% |
| Interest rate as published | Tiered interest rates up to 1.75% for higher balances |
Monthly fee was not stated in the TD savings fees excerpt reached, so null. 'Up to 1.75%' is the tiered-rate description on TD's savings accounts page; the full tier table for this account was not captured, see gaps. ATM fees not published on pages reached, so null.
Source: https://www.td.com/ca/en/personal-banking/products/bank-accounts/savings-accounts | Captured 2026-11-15