TD Canada Trust’s personal chequing lineup is the TD Minimum Chequing Account, the TD Every Day Chequing Account, the TD Unlimited Chequing Account, the TD All-Inclusive Banking Plan and an account for students. TD’s fee list says its chequing accounts are offered by The Toronto-Dominion Bank. The table’s fees come from that list, effective March 5, 2026, and from TD’s account pages. NSF, overdraft, ATM and other TD charges follow in the fees section, where TD’s full list is linked.
TD chequing accounts and monthly fees
Read across a row for the account’s price, the balance or group that can bring it to zero, how many transactions it includes and what Interac e-Transfers cost.
| Account | Monthly fee | Transactions | Interac e-Transfer |
|---|---|---|---|
| TD Minimum Chequing Account | $3.95 a month, or $0 for recipients of the Guaranteed Income Supplement, beneficiaries of the Registered Disability Savings Plan, Indigenous Peoples from Canada or Newcomers to Canada (for the first year in Canada) Waivers and overdraft | 12 transactions a month (includes up to 2 full-serve transactions in a TD branch or through EasyLine telephone banking), plus unlimited public transit transactions; $1.25 for each transaction over the monthly limit | No service fee to send; requesting money costs $0.50 up to and including $100 and $1.00 over $100 (charged to the account the money is deposited into when the request is accepted) |
| TD Every Day Chequing Account | $11.95 a month, or $0 with a minimum daily account balance of $3,000; seniors over 60 pay $8.20 a month, or $0 with a minimum daily account balance maintained Waivers and overdraft | 25 transactions a month plus unlimited public transit transactions; $1.25 for each transaction over the monthly limit | No service fee to send or to request money |
| TD Unlimited Chequing Account | $17.95 a month, or $0 with a minimum daily account balance of $4,000; seniors over 60 pay $11.95 a month, or $0 with a minimum daily account balance maintained Waivers and overdraft | Unlimited transactions | No service fee to send or to request money |
| TD All-Inclusive Banking Plan | $30.95 a month, or $0 with a minimum daily account balance of $6,000; seniors over 60 pay $22.45 a month, or $0 with a minimum daily account balance maintained Waivers and overdraft | Unlimited transactions; basic cheques are free | No service fee to send or to request money |
| TD Student Chequing Account | $0 a month (until age 23 or with proof of enrollment in full-time post-secondary education) Waivers and overdraft | Unlimited transactions a month | No service fee to send or to request money |
Sources: TD's chequing accounts page; TD Canada Trust List of Services & Fees, effective March 5, 2026 (PDF); TD's page.
Fees as of March 5, 2026. Checked against TD's pages on October 20, 2026.
TD’s fee list names the plans on which sending an Interac e-Transfer carries no service fee, and the accounts in the table are among them; requesting money is priced separately on Minimum Chequing.
When does TD waive the monthly fee?
On the TD Every Day Chequing Account, the TD Unlimited Chequing Account and the TD All-Inclusive Banking Plan, TD waives the monthly fee when a minimum balance stays in the account at the end of every day of the month. The same three plans have seniors’ pricing, a lower fee that a maintained minimum daily balance also brings to zero. Minimum Chequing has no monthly fee for four groups TD names, listed in its expander. The balance each of those three plans needs is in its Monthly fee cell above and in its expander below, with the account’s overdraft terms where TD states them.
TD Minimum Chequing Account
Monthly fee: $3.95 a month, or $0 for recipients of the Guaranteed Income Supplement, beneficiaries of the Registered Disability Savings Plan, Indigenous Peoples from Canada or Newcomers to Canada (for the first year in Canada)
How the fee is waived or rebated: TD says there is no minimum account balance fee rebate. The fee is $0 for recipients of the Guaranteed Income Supplement, beneficiaries of the Registered Disability Savings Plan, Indigenous Peoples from Canada and Newcomers to Canada (first year in Canada); for seniors over 60 it is $0 if the client receives the Guaranteed Income Supplement
Overdraft protection on this account: Optional overdraft protection: $5.00 a month (Monthly Plan), or $0 a month while the account's monthly fee is $0 for a Guaranteed Income Supplement recipient, Registered Disability Savings Plan beneficiary, Indigenous Peoples from Canada or Newcomer to Canada; 21% a year interest on the amount in overdraft; or Pay As You Go, $5.00 for each eligible overdraft transaction (maximum $5.00 a day), not available on Quebec accounts
Source: TD's page
TD Every Day Chequing Account
Monthly fee: $11.95 a month, or $0 with a minimum daily account balance of $3,000; seniors over 60 pay $8.20 a month, or $0 with a minimum daily account balance maintained
How the fee is waived or rebated: $0 with a minimum daily account balance of $3,000; seniors over 60 pay $8.20, or $0 with a minimum daily account balance maintained
Overdraft protection on this account: Optional overdraft protection: $5.00 a month (Monthly Plan) plus 21% a year interest on the amount in overdraft; or Pay As You Go, $5.00 for each eligible overdraft transaction (maximum $5.00 a day), not available on Quebec accounts
Source: TD's page
TD Unlimited Chequing Account
Monthly fee: $17.95 a month, or $0 with a minimum daily account balance of $4,000; seniors over 60 pay $11.95 a month, or $0 with a minimum daily account balance maintained
How the fee is waived or rebated: $0 with a minimum daily account balance of $4,000; seniors over 60 pay $11.95, or $0 with a minimum daily account balance maintained
Overdraft protection on this account: Optional overdraft protection: $5.00 a month (Monthly Plan) plus 21% a year interest on the amount in overdraft; or Pay As You Go, $5.00 for each eligible overdraft transaction (maximum $5.00 a day), not available on Quebec accounts
Source: TD's page
TD All-Inclusive Banking Plan
Monthly fee: $30.95 a month, or $0 with a minimum daily account balance of $6,000; seniors over 60 pay $22.45 a month, or $0 with a minimum daily account balance maintained
How the fee is waived or rebated: $0 with a minimum daily account balance of $6,000; seniors over 60 pay $22.45, or $0 with a minimum daily account balance maintained
Overdraft protection on this account: Optional overdraft protection: $5.00 a month (Monthly Plan) plus 21% a year interest on the amount in overdraft; or Pay As You Go, $5.00 for each eligible overdraft transaction (maximum $5.00 a day), not available on Quebec accounts
Source: TD's page
TD Student Chequing Account
Monthly fee: $0 a month (until age 23 or with proof of enrollment in full-time post-secondary education)
Overdraft protection on this account: Optional overdraft protection: $0.00 a month on the Monthly Plan, plus 21% a year interest on the amount in overdraft; or Pay As You Go, $5.00 for each eligible overdraft transaction (maximum $5.00 a day), not available on Quebec accounts
Source: TD's page
TD New to Canada Banking Package
Monthly fee: The package has no monthly fee of its own: step 1 is to open a TD Unlimited Chequing Account ($17.95 a month, or $0 with a minimum daily account balance of $4,000); a TD Minimum Chequing Account is $0 for a Newcomer to Canada in the first year in Canada
How the fee is waived or rebated: TD Minimum Chequing Account: $0 a month for Newcomers to Canada in the first year in Canada. TD Unlimited Chequing Account: $0 a month with a minimum daily account balance of $4,000
Source: TD's page
TD accounts for students, seniors and newcomers
- Students and youth: the TD Student Chequing Account row, which TD describes as having no monthly fee and unlimited transactions; how it compares with other banks’ accounts is on student bank accounts.
- Newcomers: TD’s New to Canada Banking Package starts with a TD Unlimited Chequing Account, so it has an expander rather than a row (New to Canada details); newcomer offers across banks are on bank accounts for newcomers.
- Seniors: seniors’ prices are in the expanders for Every Day, Unlimited and All-Inclusive; across banks, see bank accounts for seniors.
- Children: accounts for kids at several banks are on children’s bank accounts.
TD fees: NSF, overdraft, ATM and other charges
Each row below is one TD service charge with the condition TD attaches to it and the page or document it comes from.
| Fee | What TD charges | Source |
|---|---|---|
| Returned item (NSF) | $10.00 Charged when TD does not approve a cheque or payment that is higher than the funds in the account (plus the overdraft limit, if any); $5.00 on a U.S. dollar account; a re-presentment of a payment counts as a payment | TD's fee document (PDF) |
| Overdraft protection | $5.00/month (Monthly Plan; $0.00 a month on TD Student Chequing, and on TD Minimum Chequing when its monthly fee is $0 for a Guaranteed Income Supplement recipient, Registered Disability Savings Plan beneficiary, Indigenous person from Canada or Newcomer in the first year); Pay As You Go: $5.00 for each eligible overdraft transaction, maximum $5.00 a day, not available on Quebec accounts | TD's fee document (PDF) |
| Overdraft interest | 21% a year | TD's fee document (PDF) |
| Payment coverage when TD approves a payment above the available balance | $5.00 plus 21% annual interest on the overdraft balance if TD approves a cheque or payment that is higher than the available balance; Quebec account holders with Overdraft Protection pay only the interest, not the $5.00 fee | TD's page |
| Sending an Interac e-Transfer | $0.50 per transfer up to and including $100 and $1.00 over $100; no service fees on a TD Minimum Chequing, Plan 60 Chequing, Preferred Chequing, Unlimited Chequing, Every Day Chequing or Student Chequing Account, the TD All-Inclusive Banking Plan or a TD Wealth Private Banking Account | TD's fee document (PDF) |
| Requesting money by Interac e-Transfer | $0.50 for requests up to and including $100; $1.00 for requests over $100 (TD Minimum Chequing; no service fee to request on TD Unlimited Chequing, Every Day Chequing, Student Chequing, the TD All-Inclusive Banking Plan or a TD Wealth Private Banking Account) | TD's fee document (PDF) |
| Cash withdrawal at a non-TD ATM in Canada | $2.00 at non-TD ATMs within Canada; no service fee with a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan or TD Wealth Private Banking Account; the ATM's owner may also charge its own fee | TD's fee document (PDF) |
| Cash withdrawal at a non-TD ATM outside Canada | $3.00 at non-TD ATMs in the USA or Mexico; $5.00 at non-TD ATMs in any other foreign country; no service fee with a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account; foreign currency withdrawals with a TD Access Card also carry a fee equal to 3.5% of the Canadian dollar amount after conversion | TD's fee document (PDF) |
| Purchase in a foreign currency with a TD Access Card | A fee equal to 3.5% of the purchase amount after conversion to Canadian dollars at the exchange rate set by Visa International (Visa Debit logo); 0.035 added to the exchange rate set by Interac Corp. if the card has no Visa Debit logo (NYCE) | TD's fee document (PDF) |
| Stop payment on a cheque or pre-authorized debit | $25.00 at a branch or with an EasyLine Telephone Banking representative; $12.50 through EasyWeb Internet Banking or the TD app | TD's fee document (PDF) |
| Bank draft | $9.95 (no service fee with the TD All-Inclusive Banking Plan or a TD Wealth Private Banking Account; no service fee on US dollar drafts with the Borderless Plan) | TD's fee document (PDF) |
| Paper account statements mailed to you | $2.00 per month; no service fee with a TD Minimum Chequing Account, TD All-Inclusive Banking Plan, TD Student Chequing Account or TD Wealth Private Banking Account, with overdraft protection service, or with a TD High Interest Saving Account whose Daily Closing Balance is $25,000 or more on each business day of the month | TD's fee document (PDF) |
| Images of cheques cashed with your paper or online statement (Cheque Image Return) | $2.00 per month; no service fees with a TD All-Inclusive Banking Plan or applicable TD Wealth Private Banking Plan; available for Canadian dollar chequing deposit accounts with online deposit account statements and paper deposit account statement record keeping options only; cashed cheques can also be viewed free through the view cheque service in EasyWeb | TD's fee document (PDF) |
| Close a deposit account and transfer the balance to another financial institution | $15.00 | TD's fee document (PDF) |
TD's fee document: TD Canada Trust List of Services & Fees, effective March 5, 2026 (PDF).
Fees as of March 5, 2026. Checked against TD's pages between October 19, 2026 and October 20, 2026.
- How overdraft protection plans compare between banks: overdraft protection.
- Returned cheques and payments, and what an NSF charge means: NSF fees and bad cheques.
- TD’s charges beside other banks’: bank fees compared.
- Sending a wire from TD: wire transfer fees; bank drafts: drafts and certified cheques.
- How much TD lets a client send or withdraw: e-Transfer limits and ATM withdrawal limits.
TD savings and US-dollar accounts
The TD Growth Savings Account pays interest by balance tier, and its top Standard Posted Rate is 0.65% (balance of $500,000 and over; nothing under $10,000); the full tier list is in TD’s row of the high-interest savings table. TD’s Canadian-based U.S. accounts, the U.S. Daily Interest Chequing Account and the Borderless Plan, are on US-dollar accounts, and accounts at TD Bank, N.A., TD’s U.S. subsidiary, under cross-border banking.
Routing numbers, opening an account and other banks
- TD’s institution and transit numbers and a void cheque: TD routing numbers.
- Big-bank chequing accounts in one table: chequing accounts compared across banks; accounts with no monthly fee at all: no-fee chequing accounts.
- What opening an account takes: opening a bank account; moving accounts from another bank: switching banks.
- TD’s chequing page advertises limited-time offers; how bank offers work is on bank account promotions.
- For a business: business bank accounts.
- TD’s cards and brokerage: TD credit cards and the TD Direct Investing review.
- The lineups at RBC, BMO, CIBC, Scotiabank and Manulife Bank.
Sources
The figures and rules on this page come from these sources, last checked against them on September 14, 2026. How we check facts.