Electronic Banking

Enhanced TD Access Card

1. What is Interac Flash?
2. Which merchants accept Interac Flash?
3. Is Interac Flash a mandatory feature?
4. Are there any spend limits for Interac Flash?
5. Will I still get a receipt for Interac Flash transactions?
6. Is Interac Flash a safe payment method?
7. The enhanced TD Access Card has a Visa logo and an Interac logo on it. Is it both a credit card and a debit card?
8. What is Visa Debit and how does it work?
9. Are there spend limits for online, phone and mail-order transactions?
10. Are there any changes to the way I pay for purchases in stores in Canada?
11. For purchases made internationally, online, on the phone or by mail-order, will the amount be debited from my account right away?
12. Which online merchants accept Visa Debit?
13. How do I use my enhanced TD Access Card online?
14. Can I still use Interac Online?
15. Can I use the enhanced TD Access Card internationally?
16. Will the PLUS access fee still be waived if I use my enhanced TD Access Card at a TD Bank, America’s Most Convenient Bank ATM in the US?
17. Can I use my enhanced TD Access Card to set up a recurring payment?
18. Can I use my enhanced TD Access Card to make reservations for hotels or car rentals?
19. What are the Visa Zero Liability and Verified by Visa features?

TD Canada Trust Access Card

1. What card can I use for Interac Debit?
2. How much can I purchase using Interac Debit?
3. Which TD Canada Trust accounts can I make Interac Debit payments from?
4. Can I access my Line of Credit to make an Interac Debit purchase?
5. How do I keep track of Interac Debit transactions?
6. How do I recognize retailers who offer Interac Debit?
7. What is a ’cashback’?

Back to Interac Debit

Enhanced TD Access Card

0.  
1. What is Interac Flash?

2. Interac Flash is a contactless enhancement of Interac Direct Payment which allows you to quickly pay for smaller dollar purchases instantly from your TD Canada Trust account without signing for a purchase or entering a PIN.

1.  
2. Which merchants accept Interac Flash?

3. There are numerous merchants that accept Interac Flash including fast food outlets, gas stations, hardware stores and even movie theatres. More merchants will be added over time. Look for the Interac Flash logo and contactless wave symbol at participating merchant locations.

2.  
3. Is Interac Flash a mandatory feature?

4. No, Interac Flash is a safe and convenient optional feature that can be enabled or disabled by you at any time.

3.  
4. Are there any spend limits for Interac Flash?

5. Yes, you can spend up to a total of $100 using Interac Flash before being required to enter your PIN, which resets the contactless spend limit. There are no daily or weekly Interac Flash limits however contactless transactions do contribute to your overall daily/weekly Point of Sale dollar limit.

4.  
5. Will I still get a receipt for Interac Flash transactions?

6. Yes, merchants will provide receipts for Interac Flash transactions like they do now for Interac Debit transactions.

5.  
6. Is Interac Flash a safe payment method?

7. Yes, Interac Flash is quite safe. The enhanced TD Access Card has an embedded microchip that stores information in a secure, encrypted format. If your Card is ever lost or stolen please call EasyLine telephone banking or visit your local branch as soon as possible. You can get a replacement Card anywhere in the world by calling 1-866-222-3456.

6.  
7. The enhanced TD Access Card has a Visa logo and an Interac logo on it. Is it both a credit card and a debit card?

8. No, the enhanced TD Access Card is strictly a chip enabled debit card, NOT a credit card. But it offers more convenience and security than our previous Access Card. Since it’s still a debit card all purchases made with the enhanced TD Access Card will continue to access your funds directly from your TD Canada Trust account.

7.  
8. What is Visa Debit and how does it work?

9. Visa Debit allows you to make debit purchases in person internationally, online, over the phone and by mail-order using the Global Visa network.

8.  
9. Are there spend limits for online, phone and mail-order transactions?

10. Yes, these limits are set for daily and weekly transactions. The online, phone and mail-order limits can be adjusted based on your preferences. Please contact your local branch to ensure that your limits will meet your online, phone and mail-order transaction needs.

9.  
10. Are there any changes to the way I pay for purchases in stores in Canada?

11. No, you will continue to use your enhanced TD Access Card for debit payments made in stores in Canada exactly as you do today.

10.  
11. For purchases made internationally, online, on the phone or by mail-order, will the amount be debited from my account right away?

12. Not necessarily. It will depend on when the merchant processes the payment. Some online merchants may process transactions in batches at the end of the day, or before they ship the item. This can lead to a delay in seeing the debit applied to your account. Others may process the transaction right away.

11.  
12. Which online merchants accept Visa Debit?

13. There are thousands of merchants that accept Visa Debit and many more added each month; for a sample list, please visit http://www.visa.ca/en/personal/visa-debit-card/visa_debit_merchants.jsp.

12.  
13. How do I use my enhanced TD Access Card online?

14. When shopping online, you will enter your 16 digit TD Access Card number and you may also be asked to enter the 3 digit security number on the back, similar to using a credit card. If you do not see the option to choose "Debit" or "Visa Debit", not to worry. Provided the online merchant accepts Visa Debit, you will select "Credit Card" as the payment method and / or "Visa" as the card type. It’s highly recommended that you visit the Visa Canada website and confirm that the online shopping site accepts Visa Debit before using your enhanced TD Access Card to make an online debit purchase.

13.  
14. Can I still use Interac Online?

15. No, you will not be able to use Interac Online with your enhanced TD Access Card. The Code of Conduct for the Credit and Debit Card Industry prevents a card from containing two online payment networks; however, you will be able to conduct online purchases through Visa Debit which currently has thousands of participating merchants. In some cases, you can use the bill payments functionality within EasyWeb to pay instead of using Interac Online.

14.  
15. Can I use the enhanced TD Access Card internationally?

16. Yes, wherever Visa is accepted around the world. When shopping internationally (including the USA), you may be asked and can select either Debit or Credit, and depending on the merchant and amount you may be asked to enter a PIN or sign the receipt. In some countries merchants (such as, fast food, taxi, movie theatres, etc.) who belong to Visa Easy Pay Service (VEPS) do not require you to enter a PIN or provide a signature for purchase amounts below $50 (depending on the country).

15.  
16. Will the PLUS access fee still be waived if I use my enhanced TD Access Card at a TD Bank, America’s Most Convenient Bank ATM in the US?

17. Yes, PLUS fees will continue to be waived as they are today when using TD Bank, America's Most Convenient Bank ATMs in the US.

16.  
17. Can I use my enhanced TD Access Card to set up a recurring payment?

18. Yes, instead of using a void cheque, you can now arrange with the service provider (provided they accept Visa Debit) to make one-time or recurring payments/direct debits from your TD Canada Trust account by providing your enhanced TD Access Card number and the expiry date.

17.  
18. Can I use my enhanced TD Access Card to make reservations for hotels or car rentals?

19. Yes, you can use your Card to book hotels and car rentals online or over the phone if they accept Visa Debit within Canada or Visa if booked outside of Canada. Funds may be debited from your account at the time you make the reservation.

18.  
19. What are the Visa Zero Liability and Verified by Visa features?

20. Visa Zero Liability applies to transactions completed over the Visa network (international, online, phone, and mail-order transactions). Should your enhanced TD Access Card become compromised, you will not be held liable as long as you have met your obligations as outlined in the Cardholder and Electronic Financial Services Terms and Conditions. Verified by Visa is another layer of security for online transactions, which uses personal passwords which you set up when you sign up for the free service. Participating online merchants will ask you to enter your password during checkout.

TD Canada Trust Access Card

0.  
1. What card can I use for Interac Debit?

2. You can make an Interac Debit purchase using your TD Canada Trust Access Card

1.  
2. How much can I purchase using Interac Debit?

3. Your branch has assigned you a daily purchase limit. Your Interac Debit limit is higher than your limit for The Green Machine. The limits are $500 a day and up. Visit a branch or call use EasyLine to find out your limit.

2.  
3. Which TD Canada Trust accounts can I make Interac Debit payments from?

4. When you press the "Chequing" and "Savings" buttons on the Interac Debit keypad, you are accessing the same accounts as you would when you use The Green Machine ATM "Chequing" and "Savings" buttons. The accounts set up on the "Other" and "Credit Card" buttons cannot be used to make purchases.

3.  
4. Can I access my Line of Credit to make an Interac Debit purchase?

5. Yes. Making a purchase with your TD Canada Trust Line of Credit and your TD Access Card means no cheques to write, and you may benefit from a lower interest rate than typically charged on credit cards. To access your Line of Credit you must ensure that it is set up on either the "Chequing" or "Saving" buttons. You can do this by calling TD Canada Trust at 1-877-247-2265, or by visiting your local TD Canada Trust branch.

4.  
5. How do I keep track of Interac Debit transactions?

6. All purchases and returns made with Interac Debit are recorded in detail with store name and transaction amount on your monthly account statement, or passbook for your convenience.

5.  
6. How do I recognize retailers that offer Interac Debit?

7. Most retailers today that accept credit cards also offer this service. Retailers offering this service display the Interac Debit logo on their store front.

6.  
7. What is cashback?

8. Cashback is a convenient way of getting cash at the same time that you pay for a purchase at a retail location offering this service. It works like this: say you make a purchase for $20.00 and you would also like $50.00 cash. Ask the retailer if they offer cash back. If so, ask for the purchase amount to be topped up for the $50 cash back. The retailer will process $70.00 from your account and you get the merchandise you purchased plus the $50.00 cash.