Cross-Border Banking
TD offers a variety of cross-border banking services, whether you live in the U.S. part-time or visit for shopping, business or travel. Let us recommend the cross-border banking solutions that meet your needs.
Get all the convenience and comfort of home with TD Bank,
America’s Most Convenient Bank®.
Convenient banking on both sides of the border
With a U.S.-based chequing account at TD Bank, America’s Most Convenient Bank, and a Canadian-based account at TD Canada Trust you can manage your money, from either side of the border. If you live in the U.S., make life easier with convenient access to your account, online banking, and free U.S. bill payments from your U.S. based account. You can also view your Canadian and U.S.-based accounts from the TD app and TD Canada Trust EasyWeb.
Easily transfer money across the border
Use Visa Direct to send up to $2,500 a day from your Canadian based personal bank account at TD Canada Trust to your U.S. based personal bank accounts with TD Bank, America's Most Convenient Bank that is linked to your TD Bank Visa Debit Card, and we will refund the transfer fee.1
If you need to transfer an amount greater than $2500, call the TD Cross-Border Banking Support Line at 1-877-700-2913.2 When you call, be sure to have your Canadian and U.S. based TD account numbers on hand, TD Bank Store address.
Buying or own a property in the U.S.?5
TD Bank, America's Most Convenient Bank uses your Canadian credit history and income when applying for financing. Download the brochure to help you better understand the U.S. mortgage process and the documents you need before submitting an application.
TD Bank, America's Most Convenient Bank has Mortgage Advisors ready to help with all of your home financing needs. Simply click here to locate one of TD Bank, America's Most Convenient Bank's local mortgage advisors to apply for a mortgage. For Home Equity Lines of Credit on an existing property in the U.S., simply call our Cross Border Support line at 1-877-700-2913 to speak with a home lending specialist.
U.S. purchases in U.S. dollars
As a Canadian living part-time in the U.S., you can enjoy the convenience of making your purchases in the U.S. directly in U.S. dollars with a TD U.S. Dollar Visa* Card from TD Canada Trust. Or, there are a variety of U.S. dollar credit cards3 that let you earn rewards for your purchases, including the TD Aeroplan™ Visa Signature® Card from TD Bank, America's Most Convenient Bank which may be available and of interest to you. Call our Cross Border Banking hotline at 1-877-700-2913 for details.
Be prepared for travel emergencies
TD Travel Medical Insurance has you covered with no out-of-pocket costs on eligible medical emergency expenses, so travel with confidence!4 Plus, if you have a TD U.S. dollar account, you may be eligible for a 10% discount on TD Travel Medical Insurance. View all our available plans and find the coverage that fits your needs.
With a Canada-based U.S. Dollar account, you don't have to take time out of your busy day to exchange money in person or calculate conversion rates yourself.7
Pay your U.S. bills online in a snap
You can easily pay U.S. bills from your Canadian accounts using the U.S Bill Pay Service through EasyWeb or the TD app.8 It's easy to pay select U.S department store and major credit card bills and US-based utility bills!9
Shop with ease on both sides of the border
Go shopping without exchanging cash every time you cross the border. A TD Canada Trust Borderless Plan helps you save and deposit U.S. funds while in Canada and convert your money at preferred rates.7
U.S. purchases in U.S. dollars
With the TD U.S. Dollar Credit Card3 from TD Canada Trust, you as a Canadian gain the convenience of making purchases in the U.S., directly in U.S. dollars.
Be prepared for travel emergencies
TD Travel Medical Insurance has you covered with no out-of-pocket costs on eligible medical emergency expenses, so travel with confidence!4 Plus, if you have a TD U.S. dollar account, you may be eligible for a 10% discount on TD Travel Medical Insurance. View all our available plans and find the coverage that fits your needs.
Frequently asked questions
- Do I need a U.S. address to open a U.S. based account at TD Bank, America's Most Convenient Bank ?
- Can I simultaneously view online my Canadian based accounts with TD Canada Trust and U.S. based accounts with TD Bank, America’s Most Convenient Bank?
- How can I pay my U.S. bills?
- Can I make a deposit to my U.S. based account with TD Bank, America's Most Convenient Bank while I am in Canada or to my Canadian-based account with TD Canada Trust while I am in the U.S.?
TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. Member FDIC. Accounts issued by TD Bank, N.A. are not insured by Canada Deposit Insurance Corporation. TD Canada Trust does not provide service on TD Bank, N.A. products.
1 Transfer 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
2 Wire 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.
3 Credit cards issued by TD Canada Trust or TD Bank, N.A. Subject to credit approval. Applicants for a TD Bank, N.A. issued card must have a U.S. address within the TD Bank, N.A. footprint (PA, NY, NJ, CT, NH, ME, MA, FL, VT, DE, MD, DC, NC, SC, VA or RI).
4 Optional Travel Medical Insurance is underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services under the Policy are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased at any branch or call 1-800-293-4941, or visit www.tdcanadatrust.com.
5 Subject to credit approval and other conditions. Mortgages limited to property located in U.S. state where TD Bank, N.A. has locations. Equal Housing Lender 
.
6 TD Bank, N.A. is located in the United States and its support line, Stores, products and services are primarily serviced in English.
7 Foreign exchange conversion rates and regular account transaction fees may apply.
8 The 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 foreign exchange rates may also apply. A U.S. dollar cheque will be sent by mail to the payee.
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