TD Bank offers four personal chequing account options. To determine which is right for you, compare the offerings with other chequing account providers. All four of TD's chequing accounts are eligible for the monthly fee to be waived, given you maintain the stated minimum monthly balance. Monthly fees can also be reduced if you are a senior through the senior's rebate, or select monthly fees can be eliminated if you are a student. The required monthly balance to have the monthly fee waived increases as the number of account features increases.
By becoming a TD customer, you can have access to special concert offers through being a TD Music Access. TD Music Access offers its members special offers, concert credits, VIP experiences and contests, it is free to sign up and is exclusively for TD account holders. TD Customers are also able to deposit cheques using their phone through TD Mobile Deposit. Special pricing is available for students and seniors.
TD All-Inclusive Banking Plan
TD's All-Inclusive chequing account has the largest number of features and the highest monthly fee among TD bank accounts. With this account you have unlimited transactions, fees waived for any ATM in North America, and unlimited Interac e-Transfers. The account also comes with an optional credit card. You can choose a credit card from five pre-selected options and get a refund on your annual fee.
TD Unlimited Chequing Account
TD Bank's Unlimited chequing account provides you with unlimited transactions, and allows you to save $20 off the annual fee from your choice of one of five selected TD Credit Cards for the first year. Unlimited customers are also able to use any TD ATM for free in North America but will be charged regular fees for the use of Non-TD ATMs. The fees for Non-TD ATMs increase depending on the country. Additionally, customers must pay a fee for each Interac e-Transfer depending on the amount of the transfer.
TD Every Day Chequing Account
The Every Day chequing account is TD's chequing account offering with the second lowest monthly fee. Customers get 25 transactions each month and free access to all TD Bank ATMs in North America. Additional fees are charged for Non-TD Bank ATM use and vary by country. Additionally, customers must pay a fee for every Interac e-Transfer they send depending on the amount of the transfer.
TD Minimum Chequing Account
The Minimum Chequing Account is TD's most basic option. It provides you with 12 free debit transactions, and free access to all of TD's ATMs in North America. Additional fees are charged for Non-TD ATM use and vary depending on the country.
The monthly fee for the TD Minimum Chequing Account is waived if you are:
- A senior receiving the Guaranteed Income Supplement
- A Registered Disability Savings Plan (RDSP) beneficiary
- A Student enrolled in a full-time post-secondary program
- Under the age of majority in their province of residence