Chequing Account CAD CDIC Insured
TD Canada Trust

TD All-Inclusive Banking Plan

Experience premium banking. Includes unlimited transactions, an annual fee rebate on select TD credit cards (up to $139), a free small safety deposit box, free personalized cheques, and no TD fees at non-TD ATMs globally. Seniors (60+) receive a discounted monthly fee of $22.45.

Interest rate Not listed
Monthly fee $30.95/mo
Transactions Unlimited
Minimum deposit $0
CURRENT OFFERS

Promotions and account value

Offer summary

Get up to $750 in value (including $500 cash)

Welcome offer $500 value

Get $500 cash by opening by June 3, 2026 and completing two of the following by August 5, 2026: Recurring Direct Deposit, Recurring PAD, or Online Bill Payment.

EARNINGS

Rates and interest details

A specific interest rate is not currently listed for this product.

COSTS

Fees and account limits

Monthly fee$30.95/mo
Fee-waiver balance$6,000
Minimum deposit$0
Maximum depositNot listed
Included transactionsUnlimited
Bundled productNot specified

Detailed fee schedule

FeeAmountFrequency or allowanceAdditional use
Monthly Maintenance FeeWaived with $6,000 minimum daily balance. Seniors over 60 pay $22.45. $30.95 Unlimited -
Overdraft Usage Fee$5 fee/month plus 21% annual interest on the overdraft balance. $5.00 Unlimited -
Paper Statement FeeNo fee for paper statements. - Unlimited -
Non-Sufficient Funds (NSF) FeeNon-Sufficient Funds (NSF) Fee. - Per Use $10.00
Out-of-Network ATM FeeNo fee for Non-TD ATM Transactions in Canada, U.S., Mexico, or Foreign ATMs. - Per Use -
Per-Transaction FeeUnlimited transactions. - Per Use -
Stop Payment FeeStop payment: $25 in branch/phone, $12.50 online/app. - Per Use $12.50
ACCOUNT EXPERIENCE

Features and benefits

Free Interac e-Transfers

Unlimited Transactions

Welcome Bonus Offer

Access to No-Fee ATM Network

Mobile Cheque Deposit

Online and Mobile Banking

Online and Mobile Banking

Overdraft Protection Available

CDIC Insured

Apple Pay Support

Google Pay Support

International Money Transfers

International Money Transfers

Telephone Banking

eStatement and eNotifications

WHO CAN APPLY

Eligibility and access

Minimum ageNot specified
AvailabilityAvailable nationally
Mobile appYes
Online bankingYes
Branch accessYes

CDIC Insured: This product is identified as eligible for CDIC deposit protection, subject to applicable limits and conditions.

Seniors
IMPORTANT INFORMATION

Terms and disclosures

Rates, fees, eligibility requirements and promotional terms can change. Confirm all current details directly with TD Canada Trust before opening the account.

Product information last reviewed or updated Mar 12, 2026.