TD Canada Trust bank accounts and rates

We track 20 TD Canada Trust accounts, 13 personal and 7 business. 2 of them carry no monthly fee and the dearest is $125.00 a month. Every figure here comes from the institution’s own published pages, and where something is not published we leave it blank rather than record a zero. Last checked 19 August 2026.

The highest starting rate posted here is 0.3%, on the TD High Interest TFSA Savings Account. That account pays by balance band rather than one rate, and the bands are on its page. Posted rates only: a promotional rate that ends in ninety days is not what an institution pays, so it is recorded on the account and not counted here.

Deposits are covered by CDIC insured, taken from what the institution publishes rather than from what the scheme covers in general. What deposit insurance actually covers sets out the difference and why an unlimited provincial guarantee is not the same promise as the federal one.

Every Account, With What It Costs

• TD Student Chequing Account

  No monthly fee · Unlimited transactionsCDIC insured

  No monthly fee until age 23; after 23, continues fee free with proof of enrolment in full time post-secondary education

• TD Minimum Chequing Account

  $3.95 a month · 12 transactions a monthCDIC insured

  No minimum balance waiver. $0 for Guaranteed Income Supplement recipients, RDSP beneficiaries, Indigenous Peoples from Canada, and newcomers to Canada (first year only).

• TD Every Day Chequing Account

  $11.95 a month · 25 transactions a monthCDIC insured

  Monthly fee rebated with a $3,000 minimum monthly balance

• TD Unlimited Chequing Account

  $17.95 a month · Unlimited transactionsCDIC insured

  Monthly fee rebated with a $4,000 minimum monthly balance

• TD All-Inclusive Banking Plan

  $30.95 a month · Unlimited transactionsCDIC insured

  Monthly fee rebated with a $6,000 minimum monthly balance

• TD ePremium Savings Account

  Monthly fee not published

  Tiered: 0.000% below $10,000; 0.450% on balances of $10,000 or more.

• TD Every Day Savings Account

  Monthly fee not published · 0.01% interest

  Same 0.010% rate published for every balance tier.

• TD Growth Savings Account

  Monthly fee not published

  Two rate sets published: a standard rate and a 'boosted' rate that requires an eligible TD chequing account plus 2 qualifying transactions. Standard rates published across the range 0.00%-0.65%; boosted rates across the range

• TD High Interest TFSA Savings Account

  Monthly fee not published · 0.3% interest

  Same 0.300% rate published for all balance tiers.

• TD Multi-Holding FHSA, Cash Portion

  Monthly fee not published · 0.05% interest

  Same 0.050% rate published for all balance tiers.

• TD Multi-Holding TFSA, Cash Portion

  Monthly fee not published

• TD RSP / RRIF / RESP Daily Interest Savings

  Monthly fee not published

• TD U.S. Daily Interest Chequing Account

  Monthly fee not published · 0.01% interest

  Same 0.010% rate published for all balance tiers.

• TD Business Savings AccountBusiness

  No monthly feeCDIC insured

• TD Community AccountBusiness

  $3.75 a month · 20 transactions a monthCDIC insured

• TD Business Digital AccountBusiness

  $6.00 a month · Unlimited transactionsCDIC insured

• TD Business Basic AccountBusiness

  $7.00 a month · 7 transactions a monthCDIC insured

• TD U.S. Dollar Business Basic AccountBusiness

  $7.00 a month · 5 transactions a monthCDIC insured

• TD Business Essential AccountBusiness

  $35.00 a month · 40 transactions a monthCDIC insured

• TD Business Unlimited AccountBusiness

  $125.00 a month · Unlimited transactionsCDIC insured

Comparing across institutions? Compare every account on what it would cost you, work out what a chequing account really costs, or browse the full directory.