Canada
Link your U.S. – and Canada–based accounts for quick and easy access.
Cross-Border Banking
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Convenient banking on both sides of the border
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Checking Accounts
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Savings Accounts
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Credit Cards
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U.S. Home Lending
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Paying Bills
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Money Transfers
Checking accounts
Every financial goal starts with a checking account. Choose a U.S.-based TD Bank Checking account that meets your needs, is in your budget, and includes the perks you want.Open a U.S.-based checking account
- Link your profile with your TD Canada Trust account so you can easily access all your accounts in one place
- Access both accounts through EasyWeb
- Use the TD app from TD Canada Trust or the TD Mobile Banking App from TD Bank to manage your accounts
- Set up alerts to keep track of your account balance and activity in real time
TD Premier CheckingSM
Tiered interest rates, plus no ATM fees anywhere you go1 and more free perks
TD Convenience CheckingSM
Get great features, with a low $100 minimum daily balance to waive the monthly maintenance fee
TD 60 Plus CheckingSM
60 or older? Earn interest and easily waive the monthly maintenance fee with a $250 minimum daily balance
TD Bank Debit Card
Find out more about Cross-Border checking
- No U.S. address needed
You can use your Canadian address when you open a TD Bank Checking account - Transfer money between TD Canada Trust and TD Bank accounts
Wherever you are, move money from your TD Canada Trust account to your TD Bank account with Visa Direct and make no-cost wire transfers2 by phone with our Cross-Border Support Line at1-877-700-2913 1-877-700-2913 *
- View both your TD Bank and TD Canada Trust accounts online
View both accounts through EasyWeb online banking. You can access TD Bank Online Banking directly from EasyWeb without having to log in a second time - How to link your TD Canada Trust and TD Bank accounts
To register and link your accounts, call the Cross-Border Banking Support Line at1-877-700-2913 1-877-700-2913 , visit a TD Canada Trust or TD Bank location, or link your accounts when opening a TD account online
Still looking for a TD Checking account?
You might be interested in one of these TD Bank Checking accounts
Need help choosing the right products?
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
2The daily limit for wire transfers is $100,000. Incoming wire fees may apply and will be reimbursed the next business day. Foreign exchange conversion rates apply.
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
2The daily limit for wire transfers is $100,000. Incoming wire fees may apply and will be reimbursed the next business day. Foreign exchange conversion rates apply.
Savings accounts
Grow your savings on both sides of the border with TD Bank Savings and Money Market accounts.TD Simple Savings
Build savings with this everyday account and pay no monthly fee the first 12 months with a qualifying transfer1
TD Growth Money Market
Get rewarded for growing your savings each month2
TD Preferred Savings
Earn more interest when you keep a higher balance and link an eligible TD Bank account3
Find out more about Cross-Border savings
- No U.S. address needed
You can use your Canadian address when you open a TD Bank Savings account - Transfer money between TD Canada Trust and TD Bank accounts
Wherever you are, move money from your TD Canada Trust account to your TD Bank account with Visa Direct and make no-cost wire transfers4 by phone with our Cross-Border Support Line at1-877-700-2913 1-877-700-2913 *
- View both your TD Bank and TD Canada Trust accounts online
View both accounts through EasyWeb online banking. You can access TD Bank Online Banking directly from EasyWeb without having to log in a second time - How to link your TD Canada Trust and TD Bank accounts
To register and link your accounts, call the Cross-Border Banking Support Line at1-877-700-2913 1-877-700-2913 , visit a TD Canada Trust or TD Bank location, or link your accounts when opening a TD account online
Get more with TD Cross-Border Banking
TD Bank can help you find the right checking, savings and cards to fit your banking needs.
Need help choosing the right products?
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1No monthly maintenance fee for the first 12 months each month you have a linked, eligible TD Bank personal checking account and a recurring transfer of $25 or more from a TD Bank account. See the Personal Deposit Account Agreement for more details about linking eligibility.
2A recurring transfer from a linked, eligible TD Bank personal checking account and balance growth of at least $50 required to get rate bump each month. See the Personal Deposit Account Agreement for more details about linking eligibility.
3Eligible accounts include TD Bank personal mortgage, home equity, credit card or active personal or active small business checking accounts. An active checking account must have three customer-initiated deposit, withdrawal, payment or transfer transactions each month to qualify for the rate bump during the following month.
4The daily limit for wire transfers is $100,000. Incoming wire fees may apply and will be reimbursed the next business day. Foreign exchange conversion rates apply.
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1No monthly maintenance fee for the first 12 months each month you have a linked, eligible TD Bank personal checking account and a recurring transfer of $25 or more from a TD Bank account. See the Personal Deposit Account Agreement for more details about linking eligibility.
2A recurring transfer from a linked, eligible TD Bank personal checking account and balance growth of at least $50 required to get rate bump each month. See the Personal Deposit Account Agreement for more details about linking eligibility.
3Eligible accounts include TD Bank personal mortgage, home equity, credit card or active personal or active small business checking accounts. An active checking account must have three customer-initiated deposit, withdrawal, payment or transfer transactions each month to qualify for the rate bump during the following month.
4The daily limit for wire transfers is $100,000. Incoming wire fees may apply and will be reimbursed the next business day. Foreign exchange conversion rates apply.
Credit cards
Make purchases in U.S. dollars and never worry about the exchange rate or foreign transaction fees. Plus, earn rewards for your purchases at grocery stores and on travel, dining and Air Canada® travel.TD Cash Credit Card
TD AeroplanTM Visa Signature® Credit Card
Find out more about Cross-Border credit cards
- More security and worldwide acceptance with chip technology
You’re protected with chip technology – a microchip embedded in your TD credit, debit and prepaid cards that encrypts your data. Plus, chip cards are the global standard, in use in over 80 countries - $0 foreign transaction fees2
Pay no foreign transaction fees anywhere in the world, including Canada, when you use your TD Cash or TD Aeroplan card
- Applying for a TD Bank credit card when you live in Canada
Current or recent Canadian residents with a U.S. address can apply for a TD Bank credit card. Select your application above and mail it to:
TD Card Services
PO Box 1435
Deposit, NY 13754-9933
Need help choosing the right products?
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back.
2Read important terms and conditions for TD Cash Card and important terms and conditions for TD AeroplanTM Visa Signature® Credit Card.
®Air Canada and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license.
®Aeroplan is a registered trademark of Aimia Canada Inc.
TMThe Aeroplan logo is a trademark of Aimia Canada Inc.
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back.
2Read important terms and conditions for TD Cash Card and important terms and conditions for TD AeroplanTM Visa Signature® Credit Card.
®Air Canada and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license.
®Aeroplan is a registered trademark of Aimia Canada Inc.
TMThe Aeroplan logo is a trademark of Aimia Canada Inc.
Home lending
Buying and owning property in the U.S. is different from Canada. Whether you're looking for a vacation retreat, second home or investment property, our specialized Cross-Border home lending team can help you find the right loan and successfully navigate the process.Buying property in the U.S. and the mortgage process
- Why buy property in the U.S.?
You can extend your buying power by borrowing in U.S. dollars. Coupled with lower interest rates, rising property values and potential rental income, you can't go wrong - Key differences between U.S. and Canadian mortgages
There is a 20% down payment required on second/vacation homes and 25% on investment properties. Both 15- and 30-year fixed or adjustable rate loans are available, plus no foreign national interest rate increases
- How exchange rates and mortgage interest work
You will exchange Canadian dollars only to cover the down payment and closing costs. Mortgage interest may be tax deductible; we recommend you consult with a tax advisor for verification - Contact our mortgage advisors to learn more and apply
We can help you choose the right mortgage and walk you through the process. Call the Cross-Border Banking Support Line at 1-877-700-29131-877-700-2913 or meet with a TD Bank mortgage advisor1
TD Bank Home Equity Loans and Lines of Credit
- Take advantage of the appreciation in the value of your home
With a TD Bank Home Equity Loan or Line of Credit, you can make home improvements, consolidate debt, finance large purchases or education expenses, take a dream vacation and more - Lending options designed with you in mind
Choose a fixed or adjustable rate based on your needs - Simplify your cross-border cash needs
With a TD Bank Home Equity Loan or Line of Credit in the U.S., you can avoid currency exchange when you require access to U.S. funds - Contact our home lending specialists to learn more and apply
Call the Cross-Border Support Line at1-877-700-2913 1-877-700-2913 to speak with a home lending specialist
Find out more about Cross-Border home lending
- Home lending timeline in the U.S.
Whether you’re getting a mortgage or a home equity loan/line of credit, the process takes approximately 45 to 60 days in the U.S., versus 20 days in Canada - Collecting necessary documents
Here's a preview of the types of documents you may be asked for. TD Bank will convert your Canadian assets and liabilities and Canadian income to U.S. dollars as part of your application - Mortgage down payment and other costs to consider
You will typically need a 20% down payment, and your mortgage loan officer will review all closing fees with you and provide a loan estimate within 3 days of application - Home equity lending requirement
For a second home or investment property, we will lend up to a maximum combined loan-to-value of 75%. A home lending specialist will review all closing fees with you and provide a loan estimate within 3 days of application - Closing in the U.S.
You will need to be physically present at the closing in the U.S., or you can appoint a power of attorney to be present in your place
Mortgage and home equity tips and tools
Need help choosing the right products?
Find a TD mortgage advisor
Our experts can walk you through the mortgage process step-by-step
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Loans subject to credit approval and other conditions. Mortgages limited to property located in a U.S. state where TD Bank, N.A. has locations. Equal Housing Lender 
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Loans subject to credit approval and other conditions. Mortgages limited to property located in a U.S. state where TD Bank, N.A. has locations. Equal Housing Lender
Paying bills
If you have a U.S.-based TD Bank Checking account, you can use TD Bank Bill Pay.Pay your U.S. bills in a snap
Pay bills to anyone from rent to your gym membership from one central location.
- Pay any bill, to anyone in the U.S.
- Receive bills electronically
- Easy to set up and use
- Safe and secure
Bill Pay is easy to set up and use. Just register in Online Banking or the mobile app and pay your bills wherever you are.
You can also pay your U.S. bills from your Canadian accounts using the U.S. Bill Pay Service through EasyWeb or the TD app.1
How long will my transactions take to process?
- Transactions and bill payments
In the U.S., transactions may take a few days before they are posted to your account: 1-3 days for ATM and debit transactions, and 5-7 days for bill payments processed by merchants - Payments with the U.S. Bill Pay Service through EasyWeb
Please allow 5 U.S. business days for delivery and additional time for processing when making payments from the U.S. Bill Pay Service in EasyWeb
Get the most out of your accounts
Manage both your TD Bank and TD Canada Trust accounts online and with our mobile banking app.
Need help choosing the right products?
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1The U.S. Bill Pay Service is available on EasyWeb and on the TD app for Android, iPhone and iPad devices only, subject to eligibility requirements. A fee of $2.50 (in the currency of the account) applies for each bill payment. Regular account transaction fees and foreign exchange rates may also apply. A U.S. dollar cheque will be sent by mail to the payee.
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1The U.S. Bill Pay Service is available on EasyWeb and on the TD app for Android, iPhone and iPad devices only, subject to eligibility requirements. A fee of $2.50 (in the currency of the account) applies for each bill payment. Regular account transaction fees and foreign exchange rates may also apply. A U.S. dollar cheque will be sent by mail to the payee.
Money transfers
Use Visa® Direct to send money from your personal TD Canada Trust account to your U.S.-based personal TD Bank account. The transfer goes through the TD Bank Visa® Debit Card linked to your account. Best of all, you receive a full refund of the transfer fee.1Transfer your money easily with Visa Direct
- 24/7 Access: Transfer anytime
- Simplicity: All you need is your 16-digit Visa Debit Card number and the name and address on your U.S. TD account
- Transfer Fee reimbursed: Within 5 business days2
- Security: Backed by TD's Online Security Guarantee and Visa
Transferring more than $2,500 from your U.S. account to your Canadian account?3 Call us at
Find out more about Visa Direct transactions
- Money limits for Visa Direct transactions
The minimum per Visa Direct transaction is $10 (CAD/USD), and the maximum per transaction is $2,500 (CAD/USD). To transfer more than $2,5003, call the Cross-Border Support Line at1-877-700-2913 1-877-700-2913 - Rolling money limits for Visa Direct transactions
The 24-hour rolling limit for Visa Direct transactions is $2,500 (CAD/USD). The 7-day rolling limit is $10,000 (CAD), and the 30-day rolling limit is $25,000 (CAD) - No limit to number of Visa Direct transactions
There are no limits to the actual number of transfers you can send per day, as long as their total dollar value does not exceed the maximum dollar amount allowed in the applicable time period - Guaranteed exchange rate for transactions
The exchange rate displays when you enter the amount to send and before you confirm the transaction. That rate applies for 6 minutes, after 6 minutes you will be prompted to recalculate your request - Call us to transfer money from the U.S. to Canada
To transfer money from your U.S. TD Bank account to your Canadian TD Canada Trust account, call the Cross-Border Support Line at1-877-700-2913 1-877-700-2913
Get the most out of Cross-Border Banking
These TD Bank and TD Canada Trust tools and resources can help maximize your security and convenience:
Need help choosing the right products?
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Transfer fee will be debited to your account and then refunded by way of a credit to the same account in the same currency. Refund will be processed within 5 business days of the date on which the eligible transaction occurred if the account has not been closed. You will not receive any other notice of the credit. We may amend or cancel this arrangement at any time. Foreign exchange conversion rates and regular account transaction fees may apply. No other applicable fees or costs will be refunded. Transfer limit is per 24-hour period and is in the currency of the account from which the funds are sent.
2For transactions in currencies other than that of the originating account, a foreign exchange conversion will occur. Customers will be advised of the rate used for the conversion prior to completing the transaction and informed that the exchange rate being used may result in revenue being earned on the conversion by the bank. Transfer fee is in the currency of the account from which the funds are sent.
Recipient's financial institution may charge a fee to process the transfer and this fee may be deducted from the transfer amount. Recipient should check with their own financial institution for more information.
3Wire transfers of up to $100,000 daily are available to Cross-Border Banking Customers through the TD Cross-Border Banking Support Line. Incoming wire fee will apply and will be refunded the next business day. You will not receive any other notice of the refund. We may amend or cancel this arrangement at any time. Refunded fee is in the currency of the account to which funds are sent. Foreign exchange conversion rates and regular account transaction fees may also apply. No other applicable fees or costs will be refunded. Transfer limit is per 24-hour period and is in the currency of the account from which the funds are sent.
*TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.
1Transfer fee will be debited to your account and then refunded by way of a credit to the same account in the same currency. Refund will be processed within 5 business days of the date on which the eligible transaction occurred if the account has not been closed. You will not receive any other notice of the credit. We may amend or cancel this arrangement at any time. Foreign exchange conversion rates and regular account transaction fees may apply. No other applicable fees or costs will be refunded. Transfer limit is per 24-hour period and is in the currency of the account from which the funds are sent.
2For transactions in currencies other than that of the originating account, a foreign exchange conversion will occur. Customers will be advised of the rate used for the conversion prior to completing the transaction and informed that the exchange rate being used may result in revenue being earned on the conversion by the bank. Transfer fee is in the currency of the account from which the funds are sent.
Recipient's financial institution may charge a fee to process the transfer and this fee may be deducted from the transfer amount. Recipient should check with their own financial institution for more information.
3Wire transfers of up to $100,000 daily are available to Cross-Border Banking Customers through the TD Cross-Border Banking Support Line. Incoming wire fee will apply and will be refunded the next business day. You will not receive any other notice of the refund. We may amend or cancel this arrangement at any time. Refunded fee is in the currency of the account to which funds are sent. Foreign exchange conversion rates and regular account transaction fees may also apply. No other applicable fees or costs will be refunded. Transfer limit is per 24-hour period and is in the currency of the account from which the funds are sent.
