TD Canada Trust

About our accounts and related services

Effective Date: May 24, 2022

TD Unlimited Chequing Account

Here's what you need to know about the fees for your account and services you choose to use.

There are two types of fees:

Monthly Fee Fees for Other Services

For your account: For other services you choose to use:
You pay no monthly fee if you have $4,000 or more in your If you choose to use any of the services listed on the Service Fee
account at the end of each day in the month. Schedule, except for the services listed below, you'll pay a
OR service fee as set out on the Service Fee Schedule.
You pay the applicable monthly fee below - the fee is charged You'll pay these service fees in addition to any applicable
no matter how much or how little you use your account: monthly fees.
• Standard monthly fee $16.95 As a TD Unlimited Chequing Account holder, there are
• Seniors (60 years or older) $11.95 certain services included in your monthly fee. These are
listed below.
• Using non-TD ATMs in Canada. You may pay a fee to the
ATM provider.
• Interac e-Transfer®

Here's what's included in your monthly fee

Unlimited transactions each month with no No service fee for these payments and Digital banking services:
transaction fees: withdrawals:
• 24/7 access to EasyWeb Internet
• You pay no transaction fees no matter how • Use your TD Access Card for purchases Banking and the TD app. Enjoy the
many times you take money out of your at Canadian merchants in store and security of the TD Online and Mobile
account or deposit money to your account. online. Security Guarantee.
• No service fees on those services listed • Make cash withdrawals from a TD • Receive notification of suspicious
above as included in your monthly fee in ATM or from a TD branch in Canada. account activity using TD Fraud Alerts.
the "Fees For Other Services" box. • Use your smartphone for in-store
• Make Canadian bill payments from your
Access to your account: account in a TD branch, through TD purchases in Canada using mobile wallet
EasyLine Telephone Banking, EasyWeb apps, such as Apple Pay.
• More convenience with longer branch
Internet Banking and TD app. • Receive online account statements and
hours at many of our branches.
access to your account details and images
• Set up pre-authorized payments.
• 24/7 access through EasyWeb Internet of the cheques you've written that have
Banking, TD EasyLine Telephone Banking • Payments made using the Interac been cashed.
and the TD app. e-Transfer® service. • Use our personal expense management
• Access to over 3,000 TD ATMs across • Using non-TD ATMs in Canada. You tool through the TD MySpend app.
Canada. may pay a fee to the ATM provider. • Deposit cheques using TD Mobile
Deposit on your smartphone.

We can help set you up with these digital

banking services.

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 Here's what's not included in your monthly fee
You'll pay a service fee anytime you use the services listed in the Service Fee Schedule that are not covered by your monthly fee as set out
on the first page. Here are some of the commonly used services:

Payments and Withdrawals: Sending money: Non Sufficient Funds (NSF):

Using a non-TD ATM outside of Canada. Using any of the following services to send You'll pay an NSF fee of $48 if you write a
You'll also pay a fee to the ATM provider. money: cheque or make a payment and there is not
enough money in your account to cover it.
Purchases you make in a foreign currency at • TD Global Transfer™.
a merchant outside of Canada with your TD
• Wire Payments.
Access Card.

Helpful tips to avoid or reduce fees

• Use one of our many TD ATMs in Canada, to avoid service fees for using non-TD ATMs. Locate one near you at
www.tdcanadatrust.com or use the TD app.
• Consider applying for overdraft protection. You'll avoid the Non-Sufficient Funds (NSF) fee of $48 if you write a cheque or make a
payment and there is not enough money in your account to cover it.
• Sign up for online statements on EasyWeb Internet Banking and get up to 7 years of your statement history and avoid paying a service
fee for paper statements.

We're here to help

We value you as a customer. We'd be happy to answer any of your questions or concerns or discuss your financial needs. Give us a call
anytime, visit any of our branches, or visit us at www.tdcanadatrust.com.

The Toronto-Dominion Bank is the issuer of the TD Unlimited Chequing Account.

®
The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

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 TD Canada Trust
Service Fee Schedule
Effective Date: May 24, 2022

Here is a list of all the services you can use with your account. You pay a service fee, in addition to any transaction fees and monthly fees
that apply unless the services are included with your account. Some of these services may be available on your High Interest TFSA
Savings Account and, if so, you pay the service fee. Fees and limits are in the currency of the account unless noted below.

Making purchases with your TD Access Card Fees

Purchases in Canadian dollars No service fees
Purchases at merchants in Canada and with online stores that accept Canadian dollar payments.
Purchases in a foreign currency if your TD Access Card has a Visa Debit logo
If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is 3.5%
converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction of the Canadian dollar
is posted to your account. amount after conversion
of the foreign currency
The amount posted to your account will include a fee equal to 3.5% of the purchase amount after conversion to
amount at the rate set by
Canadian dollars.
Visa International
For example:
For a US $10 purchase, where the rate set by Visa International is 1.3 (US $1.00 costs CA $1.30)
Amount after conversion = US $10 x 1.3 = CA $13.00
Fee = CA $13.00 x 3.5% = CA $0.46 (rounded up from $0.455)
Total withdrawal amount = CA $13.00 + CA $0.46 = CA $13.46
Purchases in a foreign currency if your TD Access Card does not have a Visa Debit logo (NYCE)
If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is 0.035
converted to Canadian dollars at an exchange rate that is calculated by adding 0.035 to the rate set by Interac is added to the exchange
Corp. in effect on the date the transaction is posted to your account. rate set by Interac Corp.
For example:
For a US $10 purchase, where the rate set by Interac Corp. is 1.3 (US $1.00 costs CA $1.30)
Exchange rate = 1.3 + 0.035 = 1.335
Total withdrawal amount = US $10 x 1.335 = CA $13.35 (includes the fee in the amount of CA $0.35)
Pre-authorized payments No service fees
If you have a pre-authorized payment (PAP) with a merchant and your Card number or Card expiry date
changes, you agree that we may, but we are not required to, provide that merchant with your new Card number
or Card expiry date including by using the updating service provided to us through your Card's payment card
network. We are not responsible if any PAPs cannot be posted to the Account. You must settle any dispute or
liability you may have for the transactions relating to those PAPs directly with the merchant involved.
If you do not want your new Card number or Card expiry date to be included in the updating service provided
by your Card's payment card network, and wish to opt-out of this service, you may do so by contacting us at
1-866-222-3456.

Interac e-Transfer® Fees

Send Money
Up to and including $100: $0.50
Over $100: $1.00
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing No service fees
Account, TD Student Chequing Account or TD Wealth Private Banking Account:
Request Money
Up to and including $100: $0.50
Over $100: $1.00
If the request is accepted, the fee will be charged to the account the money is deposited into. No service fees
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing
Account, TD Student Chequing Account or TD Wealth Private Banking Account:
Cancel a Send Money payment: $5.00

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TD Global Transfer (via EasyWeb Internet Banking and the TD app) Fees
When you use a TD service in TD Global Transfer to send funds we charge you a transfer fee. The exact amount TD transfer fees
of the transfer fee is displayed to you prior to fulfilling each transaction so you can review it and consent or Up to $25 per transfer.
decline the transaction. The transfer fee amount
is dynamic and will vary
If you are sending funds in a different currency from the currency of your account, you will be purchasing this
depending on several
other currency from us at the exchange rate we set.
factors including the TD
Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the service that is selected,
money may charge additional fees to the recipient of the funds. the amount being sent,
the recipient country
and the currency of the
account funding the
transaction.
When you use a third-party service in TD Global Transfer to send funds, the exact amount of the third-party No TD transfer fees
transfer fee is displayed to you prior to fulfilling each transaction so you can review it and consent or decline the Third party fees apply
transaction. and depend on vendor's
prevailing charges.

Wire payment by visiting a branch Fees

Send a wire payment to another TD Canada Trust account: $16.00
Fee is in the currency of the account from which funds are sent.
Send a wire payment to a non-TD Canada Trust account within Canada or internationally: $50.00
If you are sending money in a different currency from the currency of your account, you will be purchasing the
other currency from us at the exchange rate we set when the payment is made. Other banks involved in
transferring the payment may charge additional fees.
Fees are in Canadian dollars or the Canadian dollar equivalent in a foreign currency. Limits are in Canadian
dollars or the Canadian dollar equivalent in a foreign currency.
Receive a wire payment: $17.50
Fee is in Canadian dollars if funds received are Canadian dollars or a foreign currency other than U.S. dollars.
Fee is in U.S. dollars if funds received are U.S. dollars. If the funds received are in a different currency from the
currency of your account, we will be purchasing the other currency from you at the exchange rate we set when
the funds are received.

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Making a cash withdrawal at a non-TD ATM Fees
In addition to our fees below, most ATM providers charge a fee to use their ATM - the fee is added to the
amount you withdraw each time you take money out of your account.
At non-TD ATMs within Canada: $2.00
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Wealth Private Banking No service fees
Account, or if you have $25,000 or more in your TD High Interest Savings Account at the end of each day in the
month:
At non-TD ATMs in USA or Mexico: $3.00
At non-TD ATMs in any other foreign country: $5.00
If you have a TD All-Inclusive Banking Plan, or TD Wealth Private Banking Account: No service fees

In addition to the fees above, if you make a foreign currency withdrawal at an ATM outside Canada with your 3.5%
TD Access Card, the amount of of the Canadian dollar
• the foreign currency funds received at the ATM, and amount after conversion
• any fee charged by the ATM provider of the foreign currency
is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the amount at the rate set
transaction is posted to your account. The amount withdrawn from your account will include a fee equal to by Visa International
3.5% of the amount of the foreign currency funds received at the ATM plus any fee charged by the ATM
provider after conversion to Canadian dollars.
For example:
For a US $10 cash withdrawal at an ATM in the United States, where the rate set by Visa International is 1.3
(US $1.00 costs CA $1.30):
Amount received at ATM = US $10
US ATM provider fee = US $2
Amount after conversion = US $12 x 1.3 = CA $15.60
Fee = CA $15.60 x 3.5% = CA $0.55
Total withdrawal amount = CA $15.60 + CA $0.55 = CA $16.15
If this withdrawal example occurred at a non-TD ATM in the United States, the $3 non-TD ATM fee described
above would also be withdrawn from your account.

Overdraft protection service Fees

If you have Monthly Plan Overdraft Protection on a:

TD Every Day Chequing Account, TD Unlimited Chequing Account or $5.00 a month

TD All-Inclusive Banking Plan plus interest at 21% a year on the amount you're in overdraft

Plan 60 or Preferred Chequing Account $4.00 a month

plus interest at 21% a year on the amount you're in overdraft

TD Student Chequing Account, U.S. Daily Interest Chequing Account $0.00 a month
or Borderless Plan plus interest at 21% a year on the amount you're in overdraft

TD Minimum Chequing Account $5.00 a month

plus interest at 21% a year on the amount you're in overdraft

$0.00 a month
plus interest of 21% a year on the amount you're in overdraft, as
long as the monthly chequing account fee on the TD Minimum
Chequing Account is $0 because the account has a Seniors or
Registered Disability Savings Plan chequing account fee rebate
If you have Pay As You Go Overdraft Protection $5.00 for each eligible overdraft transaction
Not available on Quebec accounts (maximum of $5.00 a day regardless of number of overdraft
transactions)
plus interest at 21% a year on the amount you're in overdraft

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Non-sufficient funds Fees
If you have overdraft protection service but you issue a cheque or make $48.00
a payment over the amount of funds in your account plus your if TD does not approve the cheque or payment
Overdraft Limit.
$5.00
plus interest at 21% a year on the amount you're in overdraft if
the cheque or payment is paid. For Quebec accounts, you pay
interest at 21% a year on the amount you're in overdraft but not
the $5.00 fee if the cheque or payment is paid

If you do not have overdraft protection service and you issue a cheque $48.00
or make a payment without sufficient funds in your account. if TD does not approve the cheque or payment

$5.00
plus interest at 21% a year on the amount you're in overdraft if
TD chooses to approve the cheque or payment

Paying bills Fees

Paying a Canadian bill in a TD branch, through EasyWeb Internet banking, through TD EasyLine Telephone No service fees
Banking or the TD app, with a transfer from your account.

Paying a Canadian bill in a TD branch with a cheque or cash $1.00

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Other service options Fees
Paper account statements mailed to you: $2.00 per month
If you have a TD Minimum Chequing Account, TD All-Inclusive Banking Plan, TD Student Chequing Account, No service fees
or TD Wealth Private Banking Account:

If you have a TD High Interest Savings Account and you have $25,000 or more in your account at the end of No service fees
each day in the month:

If you have overdraft protection service: No service fees

See images of cheques cashed with your paper or online statement (Cheque Image Return): $2.00 per month
If you have a TD All-Inclusive Banking Plan or applicable TD Wealth Private Banking Plan: No service fees
Option is available for Canadian dollar Chequing Accounts with online account statements and paper account
statement record keeping options only.
You can also view your cashed cheques for free using view cheque service through EasyWeb
Ask a TD branch to certify (guarantee) a cheque:
When requested by the holder of the account from which the funds will be withdrawn: $10.00

When requested by the person other than the holder of the account from which the funds will be withdrawn: $15.00
Obtain a bank draft from a TD branch: $9.95
If you have a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account: No service fees

If you have a Borderless Plan: No service fee on US

dollar drafts
If the draft is in a different currency from the currency of your account, you will be purchasing the other
currency from us at the exchange rate we set when the draft is purchased. Fee is in Canadian dollars.
Request a refund or replacement for a lost or stolen Canadian or U.S. dollar bank draft: $10.00
Request a refund or replacement for a lost or stolen bank draft in any other currency: $22.00
You may be required to buy a surety bond or pledge assets as security for the refund or replacement draft. Other
bank fees may also apply.
Stop your payment on a cheque or pre-authorized debit payment:
At a branch or with an EasyLine Telephone Banking representative $25.00
Through EasyWeb Internet Banking or the TD App $12.50
Cheque Not Written in Currency of Account: $20.00
Fee is in the currency of the account from which funds are drawn.
Request a copy of a statement or transaction that is more than 90 days old: $15.00/item
Ask TD to investigate a wire payment: $25.00
Other bank fees may apply
Close your account and transfer the balance to another financial institution: $15.00
Returned foreign deposits: $15.00
If the cheque you deposited is in a different currency from the currency of your account, we will be purchasing
the other currency from you at the exchange rate we set when the deposit is returned.

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Registered plan fees Fees
TD Canada Trust Retirement Savings Plan (RSP):
Withdrawal Fee:
• For plans open 180 days or less: $100.00 per withdrawal
• For plans open more than 180 days: $50.00 per withdrawal

Fee subject to applicable taxes. Withdrawal Fee does not apply to a withdrawal under the RSP Home Buyers'
Plan or the Lifelong Learning Plan.
Transfer Fee:
• For a transfer of the Plan to another financial institution: $75.00 per transfer

Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within the
RSP or to another TD registered plan.
TD Canada Trust Tax-Free Savings Account (TFSA):
Transfer Fee:
• For a transfer of the TFSA to another financial institution: $75.00 per transfer

Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within the
TFSA or to another TD TFSA.

Cheque hold periods

Type of deposit Here's how long it may take for you to get access to your funds after you deposit
a cheque (maximum hold period):
Cheques deposited at any Accounts opened for less than 90 days: 5 business days
TD branch
Accounts opened for more than 90 days:
• Cheques up to and equal to $1,500: 4 business days
• Cheques greater than $1,500: 5 business days
Cheques deposited in any other Accounts opened for less than 90 days: 6 business days
way (ATM, Mobile)
Accounts opened for more than 90 days:
• Cheques up to and equal to $1,500: 5 business days
• Cheques greater than $1,500: 6 business days
Cheques in foreign currency or Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited 5 business days
drawn on a foreign financial at any TD branch:
institution
Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited 6 business days
any other way (ATM, Mobile):

Cheques drawn on a U.S financial institution: 15 days

Cheques drawn on a financial institution located outside Canada or the U.S.: 30 days

A business day means Monday to Friday unless one of those days is a statutory holiday.
We may make the maximum hold period longer if: (a) we have reasonable grounds to believe there may be illegal or fraudulent activity in
relation to the account; (b) if the date on the cheque is more than 6 months prior to the day you deposit it to your account; or (c) if a
cheque was drawn on a foreign financial institution and payment for the cheque has not been received by us from the foreign financial
institution within the initial maximum hold period.
When we give you access to your funds after the hold period, it does not mean that the cheque cannot be returned for another reason. If it
is returned, we may collect the amount of the cheque from your account.
The above information is only part of our Hold Funds policy for withdrawing deposits to your account. For full details, please see our
Hold Funds Policy at www.tdcanadatrust.com.

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