TD Canada Trust<\/a> is one of Canada\u2019s largest and most popular banks, offering a range of products and services through in-person and online banking.<\/p>\n In this guide, we provide an overview of TD\u2019s bank account and credit card portfolio,<\/strong> with links to more in-depth articles on specific products and other key information.<\/p>\n TD has four personal chequing accounts and three personal savings accounts, which we\u2019ll go over in this section.<\/p>\n When considering which type of account to open, it\u2019s important to think about your banking priorities and preferences, and how you tend to use and access your account.<\/p>\n TD also often has promotional offers when you sign up for a specific account or multiple accounts together that can garner you a cash bonus, higher interest rates on savings, and other perks (e.g., merchandise).<\/p>\n Chequing accounts are the best day-to-day account as they tend to offer more monthly transactions and lower fees compared to savings accounts. Plus, they often come with perks such as free Interac e-transfers and rebates on credit card annual fees<\/a>.<\/p>\n To learn more, let\u2019s take a look the key characteristics of each of TD\u2019s personal chequing accounts from the simplest to the most comprehensive:<\/p>\n TD Minimum Chequing Account<\/strong><\/p>\n TD Every Day Chequing Account<\/strong><\/p>\n TD Unlimited Chequing Account<\/strong><\/p>\n TD All-Inclusive Banking Plan<\/strong><\/p>\n TD also offers three savings accounts for clients looking to build their savings while still having easy access to their funds.<\/p>\n Let\u2019s explore these three accounts and what makes each one unique.<\/p>\n TD\u2019s savings accounts all pay variable interest that\u2019s calculated daily and paid monthly. Rates change over time, and some accounts have balance thresholds for earning higher rates, so be sure to check TD\u2019s site for the latest numbers before you apply.<\/em><\/p>\n<\/blockquote>\n<\/blockquote>\n TD Every Day Savings Account<\/strong><\/p>\n TD High Interest Savings Account<\/strong><\/p>\n TD ePremium Savings Account<\/strong><\/p>\n Additionally, for individuals who have newly immigrated to Canada, TD has created a special offer called the TD New to Canada Banking Package<\/a>.<\/p>\n This offer provides a variety of different financial incentives when you open specific chequing and savings accounts, plus additional rewards-based incentives when you sign-up for a specific credit card.<\/p>\n TD offers one account specifically for youth (under the age of 23) and students (of any age) who are enrolled in full-time post-secondary education: the TD Student Chequing Account.<\/p>\n TD Student Chequing Account<\/strong><\/p>\n Additionally, TD has created a special offer for young students who are new to Canada: the International Student Banking Package<\/a>.<\/p>\n Both the New to Canada Banking Package and the International Student Banking Package regularly come with limited-time promos like cash bonuses, gift cards, and rebated TD Global Transfer fees. The exact mix changes, so check TD\u2019s current special offers page before you apply.<\/p>\n TD has two US dollar accounts available: the US Daily Interest Chequing Account and the Borderless Account.<\/p>\n These accounts are ideal for people who have banking needs in both Canada and the US as they allow you to easily exchange funds between the two countries at a competitive rate.<\/p>\n The US Daily Interest Chequing Account has no monthly fee, making it an excellent account if you find yourself occasionally in need of banking access in the US.<\/p>\n Comparatively, the Borderless Account has a monthly fee of $4.95 (USD) which is waived if the account balance is $3,000 (USD).<\/p>\n This account enjoys a preferred exchange rate and provides account holders with free US bank drafts and basic cheques. These features make it ideal for frequent travellers to the US.<\/p>\n Keep in mind that these are Canadian-domiciled accounts, which means you won\u2019t be onboarded into the U.S. banking system. In other words, you won\u2019t get access to ACH transfers or the ability to pay U.S. billers like a true U.S.-based account would allow.<\/em><\/p>\n TD offers its clients a range of personal credit cards that provide the opportunity to earn cash back, Aeroplan<\/a> points, and TD Rewards Points<\/a>.<\/p>\n TD offers two cash back credit cards: the TD Cash Back Visa Infinite* Card<\/a> and the TD Cash Back Visa* Card<\/a>.<\/p>\n These credit cards are ideal for people who like the simplicity of cash back rewards, which can be used to pay down your account at any time with a minimum of $25.<\/p>\n For an entry-level card, the TD Cash Back Visa* Card<\/strong> has no annual fee and earns 1% cash back<\/strong> grocery, gas & electric vehicle charging, public transit, recurring bill payments, and streaming, digital gaming & media purchases, and 0.5%<\/strong> on other purchases.\u2020<\/p>\n <\/p>\n <\/span><\/p>\n Comparatively, the TD Cash Back Visa Infinite* has an annual fee of $139 but offers 3% cash back<\/strong> on grocery, gas & electric vehicle charging, public transit, recurring bill payments, and streaming, digital gaming & media purchases, and 1%<\/strong> on everything else.\u2020<\/p>\n <\/p>\n \n TD Cash Back Visa Infinite* Card<\/span>\n <\/p>\n<\/p><\/div>\n <\/span><\/p>\n We\u2019ve created individual in-depth guides to both of these cash back credit cards, where you can find up-to-date offers and enrollment information \u2013 just click above to learn more.<\/p>\n For individuals looking to earn points with Canada\u2019s most popular and powerful airline loyalty program, TD offers three personal credit cards that earn Aeroplan<\/a> points on everyday spending.<\/p>\n The three cards are: the TD\u00ae Aeroplan\u00ae<\/sup> Visa Platinum*<\/sup> Card<\/a>, TD\u00ae Aeroplan\u00ae <\/sup>Visa Infinite*<\/sup> Card<\/a>, and the TD\u00ae Aeroplan\u00ae<\/sup> Visa Infinite Privilege*<\/sup> Card<\/a>.<\/p>\n These cards are great choices for Aeroplan members looking to build up their points account balance to access award flights, as each card comes with a welcome bonus and earns Aeroplan points on everyday spend.<\/p>\n The entry-level member of the TD Aeroplan co-branded card family is the TD Aeroplan Visa Platinum* Card.<\/strong> This card often features a generous welcome bonus and comes with a few Air Canada perks.<\/p>\n This is a great card to consider if you have a more modest income or want to keep costs down while still earning points towards travel.<\/p>\n <\/p>\n \n TD\u00ae Aeroplan\u00ae Visa Platinum* Card<\/span>\n <\/p>\n<\/p><\/div>\n <\/span><\/p>\n The TD\u00ae Aeroplan\u00ae <\/sup>Visa Infinite*<\/sup> Card<\/strong> is the next level up in TD\u2019s Aeroplan credit card family.<\/p>\n Much like its Platinum counterpart, this card often comes with a nice welcome bonus, and it also offers cardholders one free checked bag on Air Canada flights and a fee rebate for your NEXUS<\/a> application.\u2020<\/p>\n This card is a good choice for individuals who travel often and can take advantage of the related perks.<\/p>\n <\/p>\n \n TD\u00ae Aeroplan\u00ae Visa Infinite* Card<\/span>\n <\/p>\n<\/p><\/div>\n <\/span><\/p>\n The third card in the TD Aeroplan family is the TD\u00ae Aeroplan\u00ae<\/sup> Visa Infinite Privilege*<\/sup> Card.<\/strong> Of TD\u2019s three Aeroplan credit cards, this one will come with the highest welcome bonus and the most valuable perks.<\/p>\n This card is ideal for individuals who don\u2019t mind paying the high annual fee and for Air Canada frequent flyers who can maximize the utility of the associated travel benefits, including eUpgrade rollover<\/a> and unlimited Maple Leaf Lounge<\/a> access.<\/p>\n <\/p>\n \n TD\u00ae Aeroplan\u00ae Visa Infinite Privilege* Card<\/span>\n <\/p>\n<\/p><\/div>\n <\/span><\/p>\n Check out our in-depth guides for these three Aeroplan cards to learn about up-to-date offers and enrollment information \u2013 just click the card names above.<\/p>\n TD offers three credit cards that earn Chequing and Savings Accounts<\/h2>\n
Chequing Accounts<\/h3>\n
\n
\n
![\"image\"](\"https:\/\/princeoftravel.com\/wp-content\/uploads\/2024\/04\/image-1-1024x480.png\")
\n
\n
Savings Accounts<\/h3>\n
\n
\n
\n
\n
\n
\n
\n
![\"image\"](\"https:\/\/princeoftravel.com\/wp-content\/uploads\/2024\/04\/image-2-1024x480.png\")
Student Bank Accounts<\/h3>\n
\n
US Dollar Accounts<\/h3>\n
TD Credit Cards<\/h2>\n
Cash Back Credit Cards<\/h3>\n
\n
\n
Aeroplan Co-Branded Credit Cards<\/h3>\n
\n
\n
\n
TD Rewards Credit Cards<\/h3>\n