TD Student Chequing Account

Get as much as $560 in value with a Student Banking Package:

• Cash offering of $125 when you open a new Student Chequing Account and complete two of the following by August 31, 2026:

Arrange a recurring direct deposit and receive payment from either your employer or the Government

Initiate or receive an e-Transfer for $30 or more

Use your Visa Debit to make an online purchase

Establish Pre-Authorized Transfer Service or Simply Save Service on your TD Savings Account

• Cash Back Dollars of up to $100 if you open an eligible TD Cash Back Visa before June 29, 2026
• Get up $250 in value when you open your first TD Direct Investing Account
• Savings of $60 with no monthly fees annually on TD Monthly Plan Overdraft Protection services on a new Student Chequing Account
• $25 gift card for Uber when you (a) establish a TD Student Chequing Account and meet eligibility criteria before August 31, 2026 (b) open a qualifying credit card before June 29, 2026. You must also keep the Student Chequing Account and your credit card active for five months after the account opening.

Offer expires June 29, 2026

• Made for students and youth under the age of 23
• No monthly fee on the account or overdraft protection
• Free Interac e-Transfers
• Minimum balance not required
• Interest earned on all balances
• Receive 0.5 bonus stars for every dollar of spending at participating Starbucks⁶

The offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.

Calculating the $560 TD Student Banking Package Valuation

^◊ The up to $560 value is based on the combined total value of:

• $125 Cash Offer when you start by opening a new TD Student Chequing Account ^∑ AND
  Complete any two of the following with your new TD Student Chequing Account before August 31, 2026
• Set up and receive a recurring direct deposit from your employer or the Government.
• Send or receive one e-Transfer of at least $30^{∑, ∏}
• Make an online purchase using your TD Access Card with Visa* Debit.
• Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account
• Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by June 29, 2026. Conditions apply.^, ^Δ Eligible for students only. 
• ^□ Students  who open a NEW TD Direct Investing account can get up to $250 in value in their first year. This includes a $50 cash reward, up to 10 commission-free trades (up to $9.99 per trade), and a rebate on maintenance fees for the first year (up to $100). After that, students under 26 can receive a 50% commission rebate on trades.
• ^Ω $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection) Effective August 7, 2025, there are no MODP fees for Quebec accounts.
• ^β Get a $25 Uber Gift Card if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer by August 31, 2026^∑; (b) Open an eligible Credit Card by June 29, 2026 and meet the qualifying conditions in accordance with the $25 Uber Gift Card Offer ^β by August 31, 2026. Keep both the new TD Student Chequing Account & Credit Card open and active for 5 months post account opening.

^∑ TD Student Chequing Account Offer

^∑ The $125 Cash Offer is available to full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, who are Canadian residents that do not have an existing TD chequing account, that are the age of majority at time of account opening in their province or territory of residence. We reserve the right to limit the number of accounts opened and the number of cash offers by any one person. Your account must be open, active and in good standing at the time the cash offer is deposited. Please allow 12 weeks after the conditions have been met for fulfillment.

^∏ Open a new TD Student Chequing Account between November 6, 2025 and June 29, 2026 (the “New Account”) and complete any two of the following with the New Account before August 31, 2026:

i) Set up and receive a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by August 31, 2026. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.

ii) Send or receive one e-Transfer of at least $30 by August 31, 2026; 

iii) Make an online purchase using your TD Access Card with Visa*Debit by August 31, 2026. Regular transaction fees may apply, see About Our Accounts and Related Services for more information.

iv) Set-up a recurring Pre-authorized Transfer Service or Simply Save Service from the New Account to a TD Every Day Savings Account or TD ePremium Savings Account by August 31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly or bi-weekly of any amount between $0.50 to $5.00;  

For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.

The following are not eligible for the $125 Cash Offer:

(i) Customers who already have a TD Chequing account that was closed on or after November 6, 2024; or

(ii) Individuals who received any chequing account offer from TD from 2023 to 2025; or

(iii) TD staff members or a joint account with a TD staff member.

For any New Account that is a joint account, at least one account holder on the New Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per New Account. The $125 Cash Offer will be deposited to the New Account within 12 weeks after all conditions have been met, provided that the New Account is still open, in good standing, with all conditions continuing to be met. We can change, extend or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

Monthly Overdraft Protection Service Saving on the TD Student Chequing Account

^Ω Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a New Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)

For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.

Effective August 7, 2025, there are no MODP fees for Quebec accounts.

¹ For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.

² You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.

³Cheques must be drawn on a Canadian financial institution. Cheques payable in Canadian currency must be deposited to an eligible Canadian dollar account and cheques payable in U.S. currency must be deposited to an eligible U.S. dollar account.

⁴ Subject 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.

⁵ The TD App and the TD MySpend App are free to download, however standard wireless carrier message and data rates may apply.

⁶Link with Starbucks Rewards Offer & Privacy Terms

Link with Starbucks Rewards Offer:

• The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card with Visa Debit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa Debit: for more information about transactions and a complete list of account fees, Account and Other Related Service Fees (PDF). For information on our general services, please view our General List of Services (PDF).
• The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at www.starbucks.ca/terms (“Starbucks Rewards Terms of Use”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
• The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, "Starbucks"), and allows customers to earn stars (“Stars”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “Reward” and collectively “Rewards”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.