Chequing Account CAD CDIC Insured
TD Canada Trust

TD Student Chequing Account

An account designed for students and youth. Features no monthly fee, unlimited transactions, free Interac e-Transfers, and free paper statements. Uniquely, it earns interest on every dollar and includes Overdraft Protection with no monthly service fee. Available to anyone under 23, or older students with proof of full-time enrollment.

Rate up to 0.01%
Monthly fee No monthly fee
Transactions Unlimited
Minimum deposit $0
CURRENT OFFERS

Promotions and account value

Offer summary

Get up to $690 in value with the International Student Package

Welcome offer $125 value

Get $125 when you open a TD Student Chequing Account. Plus, save $60/year on Overdraft Protection fees and get international transfer fee rebates for 12 months.

Additional promotion

Youth & Parent Offer: Get up to $75 in value ($50 cash + $25 Walmart Gift Card) when opening a new account for a child or teen by June 29, 2026. Conditions apply.

EARNINGS

Rates and interest details

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

Balance-tier schedule

BalanceStandard rateBoosted rateCondition
$0+ 0.01% Standard eligibility applies
COSTS

Fees and account limits

Monthly feeNo monthly fee
Fee-waiver balanceNot listed
Minimum deposit$0
Maximum depositNot listed
Included transactionsUnlimited
Bundled productYes

Detailed fee schedule

FeeAmountFrequency or allowanceAdditional use
Monthly Maintenance FeeNo monthly fee. - Unlimited -
Overdraft Usage Fee$0 fee/month plus 21% annual interest on the overdraft balance. - 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 FeeNon-TD ATM Transaction Fee (Canada). - Per Use $2.00
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

No Monthly Fees

Free Interac e-Transfers

Unlimited Transactions

Welcome Bonus Offer

Mobile Cheque Deposit

Online and Mobile Banking

Online and Mobile Banking

Overdraft Protection Available

CDIC Insured

Apple Pay Support

Google Pay Support

Joint Account Option

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.

Students Youth 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.

Product information last reviewed or updated Mar 12, 2026.