Chequing Account
CAD
CDIC Insured
TD Canada Trust
TD Minimum Chequing Account
An account for minimal banking needs. Includes 12 transactions per month (including up to 2 full-serve branch/phone transactions) plus unlimited public transit transactions. Additional transactions are $1.25 each. Sending Interac e-Transfers is free, but requesting money costs $0.50 to $1.00. The $3.95 monthly fee is waived for Newcomers to Canada (1st year), GIS recipients, Indigenous Peoples, and RDSP beneficiaries.
Interest rate
Not listed
Monthly fee
$3.95/mo
Transactions
12/month
Minimum deposit
$0
EARNINGS
Rates and interest details
A specific interest rate is not currently listed for this product.
COSTS
Fees and account limits
Monthly fee$3.95/mo
Fee-waiver balanceNot listed
Minimum deposit$0
Maximum depositNot listed
Included transactions12/month
Bundled productNot specified
Detailed fee schedule
| Fee | Amount | Frequency or allowance | Additional use |
|---|---|---|---|
| Monthly Maintenance FeeThere is no minimum balance waiver. $0 for GIS recipients, Newcomers (1st year), Indigenous Peoples, and RDSP beneficiaries. | $3.95 | Unlimited | - |
| Overdraft Usage Fee$5 fee/month plus 21% annual interest on overdraft. $0 fee/month for GIS/Newcomers/Indigenous/RDSP. | $5.00 | Unlimited | - |
| Paper Statement FeeNo fee for paper statements. | - | Unlimited | - |
| Interac e-Transfer FeeInterac e-Transfer Request Money: Up to $100 is $0.50. Over $100 is $1.00. | - | Per Use | $0.50 |
| Non-Sufficient Funds (NSF) FeeNon-Sufficient Funds (NSF) Fee. | - | Per Use | $10.00 |
| Out-of-Network ATM FeeNon-TD ATM Transaction Fee (Canada). | - | Per Use | $2.00 |
| Per-Transaction FeeFee applies per transaction after 12 transactions are exceeded. | - | Per Use | $1.25 |
| Stop Payment FeeStop payment: $25 in branch/phone, $12.50 online/app. | - | Per Use | $12.50 |
ACCOUNT EXPERIENCE
Features and benefits
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
Newcomers
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.