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Unlimited Chequing Account

Get peace of mind with unlimited transactions

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Plan Highlights

Features and discounts add up to $725 per year in value2

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

  • No TD fee on any ATM in Canada.

  • Free to send money using Interac e-Transfer®.

  • Monthly fee waived with $4,000 minimum monthly balance3

  • $20 off Credit Card fee: $20 off the Annual Fee for the first year for your choice of one of five select TD Credit Cards.1

    $20 off the Annual fee on these TD Credit Cards for the first year


Monthly Fee $15.95 - no monthly fee if you have $4000 or more in your account at the end of each day in the month3
Senior rebate (ages 60+)5 25% off monthly fee
Non-TD ATM fees6 $0.00
ATM fees inside U.S. & Mexico
(Free at any TD Bank ATM)7
$3.00 CDN
ATM fees outside U.S & Mexico7 $5.00 CDN

See why so many Canadians choose TD

Open later and longer12

Open earlier, open later and even on Sunday12

Convenient US Banking

TD offers a variety of cross-border banking services.

TD Mobile Deposit

Deposit cheques using your phone.

Account Details

EasyWeb® View Cheque service Free
Online Record keeping – Paperless or online statements Free
Interac e-Transfer® Free

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 protection11, 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

1Subject to credit approval. First year Annual Fee discount of $20 applies only to the Primary Cardholder for your choice of a new (to you) TD Credit Card from one of the following – 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 provided you remain an Unlimited Accountholder in good standing for the first year. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

2This estimate assumes: an average of 45 transactions a month at $1.25 each for one year (45x$1.25x12=$675), plus 12 Interac e-Transfer payments (each over $100) at $1.00 each ($1.00x12=$12), plus 9 non-TD ATM withdrawals in Canada at $2.00 each (9x$2.00 = $18.00), plus $20 discount on the 1st year's annual fee for the Primary Cardholder only for your choice of a new (to you) TD Credit Card from one of the following – TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Cash Back Visa Infinite* Card (and provided you remain an Unlimited Account holder in good standing during that first year). Total annual value of features equals $725 ($675+$12+$18+$20). 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 transaction.

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

4See the complete list of account fees

5Senior's 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.

7For 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.

8TD Points do not expire as long as you are a Cardholder.

9Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.

10Net purchases are all eligible Purchases charged to your TD Cash Back Visa Infinite* Card Account less refunds, rebates and similar credits. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest and optional services, refunds, rebates or other similar credits do not earn the 1% Cash Rebate.

11Subject 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.

12Individual branch hours may vary.

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