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All-Inclusive Banking Plan

Get unlimited transactions and premium banking benefits

It only takes a few minutes.

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Plan Highlights

Features and discounts add up to $1056.50 per year in value2

  • Unlimited Transactions: No limits on cheques, ATM deposits and withdrawals, bill payments or debit-card transactions.

  • Monthly fee waived with $5,000 minimum monthly balance3.

  • Credit Card Fee Waived: Annual Fee rebated for your choice of one of five select TD Credit Cards.1

    Annual fee waived on these TD Credit Cards

    ATM fees waived: TD and Non-TD ATMs, anywhere in North America.

    Free Interac e-Transfer®: No fee to send an Interac e-Transfer.

Account Fees

Monthly Fee $29.95 - waived with a $5,000 minimum monthly balance3
Senior rebate (ages 60+)5 25% off monthly fee
Non-TD ATM fees6 No additional fees
ATM fees inside U.S. and Mexico7,8 No additional fees
ATM fees outside U.S. and Mexico7,8 No additional fees

See why so many Canadians choose TD

Open later and longer16

Open earlier, open later and even on Sunday16

Convenient Banking on Both Sides of the Border

TD offers a variety of cross-border banking services.

TD Mobile Deposit

Deposit cheques using your phone.

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Account Details

Small safety deposit box9 Free
Certified cheques and money orders Free
Personalized cheques10 Free
EasyWeb® View Cheque service Free
Record keeping – Paperless, online statements, or paper statements Free
Interac e-Transfer® Free
Canadian & U.S. Dollar drafts No fee
Canadian & U.S. Traveler Cheques No commission fee

Frequently Asked Questions

Get your money fast

Instant access to your
paycheque or pension with
no holds on your money with Direct Deposit.

Avoid unexpected cash shortfalls

With overdraft protection15, you're covered against
temporary cash shortages –
now that's peace of mind!

Save money easily

Make saving automatic with
Pre-authorized Transfer Service.

Save with every debit card purchase when you use
Simply Save.

Expand Legal

All trade-marks are the property of their respective owners. For trade-mark ownership details, see

1Subject to credit approval. Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card, and for one Authorized User Card for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply. Annual Fee rebate for Primary Cardholder and one Authorized User for the same TD Credit Card Account also applies to existing TD Gold Elite Visa Cardholders on the same terms set out above.

2This estimate assumes: an average of 45 transactions a month at $1.25 each for one year (45x$1.25x12=$675), plus one free cheque order (annual fee average $47), plus 12 Interac e-Transfer payments (each over $100) at $1.00 each ($1.00x12=$12), plus annual fee waived for Primary Cardholder for new TD First Class Travel Visa Infinite* Card ($120) and one Authorized User ($50), plus US Dollar Borderless Plan discount with TD US Visa Card ($3.00x12=$36.00 plus $39), plus 1 draft ($7.50), 1 cheque certification ($10) and 1 small safety deposit box (annual rent $60). Total annual value of features equals $1056.50 ($675+$47+$12+$120+$50+$36+$39+$7.50+$10+$60). This estimate assumes choice of TD First Class Travel Visa Card and the addition of one Authorized User, and that customer has a US Dollar Borderless Plan. Estimated number of transactions per month is based on average monthly transactions for TD Chequing Accounts with unlimited transactions over 12 months. Estimated value of account features will vary depending on the number and type of transactions, if there is no Authorized User and/or a TD Platinum or TD Cash Back Visa Infinite* Card is chosen instead.

3Minimum monthly balance indicated must be maintained throughout the month to qualify for the fee waiver.

4See the complete list of account fees

5Seniors' Rebate of 25% off the monthly fee (rounded up to the nearest $0.05) for clients 60 years old and over as of March 5, 2012.

6TD network fees for the use of a non-TD ATM are waived. Some ATM operators also apply a surcharge (sometimes called a convenience fee) to use an ATM. In Canada, all ATM operators must notify you when they apply a convenience fee, and the fee will be displayed for the customer to accept before completing the transaction. This convenience fee is not a TD fee and cannot be waived by TD.

7TD network fees waived, however, other financial institutions may charge fees for use of their ATMs. As well, certain states permit surcharging of international customers at independent ATMs. Other financial institution and surcharge fees will display electronically for the customer to accept before completing the transaction.

8For foreign currency withdrawals performed at non TD ATMs outside of Canada, the exchange rate includes an amount equal to 2.5% of the converted amount.

9Subject to availability, a value of $60.00 annually.

10Ordered online through EasyWeb; any style, including premium cheques.

11Subject to credit approval. Annual fee waiver applies only to Primary Cardholder unless otherwise indicated and only for so long as the Borderless Account remains open. All other applicable fees and charges continue to apply.

12TD Points do not expire as long as you are a Cardholder.

13Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.

15Subject to approval. All overdrafts must be paid within 89 days, are subject to an interest rate of 21% per annum (subject to change) on the overdrawn amount, and that subsequent deposits to your account will automatically be applied to pay off the overdraft. Overdraft interest rate is subject to change.

16Individual branch hours may vary.

Interac e-Transfer is a registered trade-mark of Interac Inc. Used under license.