Yes, TD Canada Trust offers extensive security features to ensure that you can deposit cheques in a safe and private mobile environment.

In addition, TD Mobile Deposit cheque images are never stored on your smartphone or tablet. For more information, visit our Mobile Apps Privacy Code.

All Customers:

• You must have a smartphone or tablet with a rear-facing camera and the latest version of the TD app is recommended.
• You must have a minimum iOS 8.0+ or Android 4.1.x+ version on your device in order to use TD Mobile Deposit.

For Personal Bank Accounts:

• You must have at least one eligible Chequing, Savings, or Line of Credit account. A Tax-Free Savings Account (TFSA) is not eligible.

For Business Banking Customers:

• You alone are authorized to sign for the business and you are either a sole proprietor or the sole shareholder of a corporation.
• You have a "Full Access" TD Access Card for the business
• Your business has one of the following accounts:
  • Business Chequing Account
  • Business Savings Account
  • U.S. Dollar Business Chequing Account

First, you must have a smartphone or tablet with a rear-facing camera and have downloaded the latest version of the TD app. You must have a minimum iOS 8.0+ or Android 4.1.x+ version on your device in order to use TD Mobile Deposit.

• Login to the latest version of the TD app
• Locate Deposit in the menu
• Follow the steps to register for TD Mobile Deposit

Once you have registered for TD Mobile Deposit, follow the instructions on screen.

• Select the account you’d like to deposit the funds into. Items payable in Canadian currency must be deposited to an eligible Canadian dollar Account and Items payable in U.S. currency must be deposited to an eligible U.S. dollar Account.
• Enter the amount of the cheque.
• Sign and write "For deposit only" and the Account number on the back of the cheque.
• Take a photo of the front and back of the cheque with your smartphone or tablet.
• You also have the option to add a short description in the Personal Memo field.

After you deposit the cheque, write the date and "Deposited" on the front and keep it in a safe place for 14 days and then destroy it.

Access to your funds is the same as if you had completed the cheque deposit at an ATM. Before you complete the cheque deposit using TD Mobile Deposit, you will see the amount of funds that will be available immediately for use. Refer to the Available Now amount shown on the Verify Deposit screen.

Cheques deposited on a business day up until 11:59 p.m. (EST) will be posted to your account the same day. Cheques deposited after 11:59 p.m. (EST) or on weekends or statutory or bank holidays will be posted to your account the next business day. In each case, availability of funds is subject to the Hold Funds Policy

Yes, there are limits on the amount of funds you can deposit on a daily and rolling 30-day basis. You can locate your limit in TD Mobile Deposit under the Amount field.

There is no fee to deposit a cheque using TD Mobile Deposit to a Personal Bank Account or to a Business Chequing Account that has the TD Unlimited Business Plan.

A fee may be charged where the deposit is made to a Business Chequing Account with the TD Every Day Business Plan or TD Basic Business Plan according to the terms of the plan. Fees are charged to deposit a cheque to a Business Savings Account using TD Mobile Deposit.

If there are changes to fees in the future, we will notify you 60 days in advance.