TD at a Glance
| Feature | Details |
|---|---|
| Full name | TD Canada Trust |
| Parent | Toronto-Dominion Bank |
| Headquarters | Toronto, Ontario |
| Branches | 1,100+ |
| ATMs | 3,500+ |
| CDIC insured | ✅ Yes |
| Known for | Extended branch hours |
Chequing Accounts
| Account | Monthly Fee | Fee Waiver (Min Balance) | Transactions |
|---|---|---|---|
| Minimum | $3.95 | $2,000 | 12/month |
| Unlimited | $16.95 | $4,000 | Unlimited |
| All-Inclusive | $29.95 | $5,000 | Unlimited + extras |
Credit Cards
| Card | Annual Fee | Key Benefit |
|---|---|---|
| TD Cash Back Visa Infinite | $139 | 3% groceries, gas, bills |
| TD Aeroplan Visa Infinite | $139 | Aeroplan points |
| TD Cash Back Visa | $0 | 1% gas/groceries, 0.5% other |
| TD First Class Travel Visa Infinite | $139 | 3% on travel, dining, gas |
Pros and Cons
| Pros | Cons |
|---|---|
| Longest branch hours | Higher fees than online banks |
| Large branch network | Savings rates below online banks |
| Strong credit card lineup | Stock trading fees above discount brokers |
| Good mobile app | E-transfer fees on basic plans |
| TD Direct Investing | Minimum account higher fees |
Who Should Bank with TD
| Profile | Recommendation |
|---|---|
| Need evening/weekend banking | ✅ Best branch hours |
| Want Aeroplan credit card | ✅ Strong Aeroplan partnership |
| TD Direct Investing user | ✅ Good integration |
| Want lowest fees | ❌ Choose online banks |