{"id":887296,"date":"2020-10-30T17:04:09","date_gmt":"2020-10-30T21:04:09","guid":{"rendered":""},"modified":"2026-09-07T06:54:55","modified_gmt":"2026-09-07T10:54:55","slug":"td-us-daily-interest-chequing-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-us-daily-interest-chequing-account-review","title":{"rendered":"TD U.S. Daily Interest Chequing Account review"},"content":{"rendered":"<p>The TD U.S. Daily Interest Chequing Account is a cross-border account that offers a 0.01% interest rate on every dollar you put away. You won\u2019t have to pay monthly account fees and you can seamlessly transfer funds between your Canadian and US accounts. Just be aware that you'll have to pay US$1.25 for every transfer you make from this account unless you hold a minimum daily balance of US$1,500.<\/p><h4>30-second take<\/h4><ul class=\"list-1\"><li>Think about this account if you want to earn interest in US dollars and you don\u2019t mind paying currency conversion fees.<\/li><\/ul><ul class=\"list-12\"><li>Choose something else if you\u2019d prefer to <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">make ATM withdrawals<\/a>, bill payments or debit purchases using your US dollar account.<\/li><\/ul><h3>What are the benefits of the TD U.S. Daily Interest Chequing Account?<\/h3><p>The TD U.S. Daily Interest Chequing Account comes with a number of benefits:<\/p><ul class=\"list-1\"><li><strong>No monthly fees.<\/strong> You won't have to pay monthly fees and you can get your transaction fees waived if you keep a minimum balance of US$1,500 in your account.<\/li><li><strong>Earn interest in US dollars.<\/strong> You\u2019ll earn a flat rate of 0.01% interest in US dollars.<\/li><li><strong>Quick internal transfers.<\/strong> You can easily transfer funds between your US and Canadian TD accounts.<\/li><li><strong>No minimum deposits.<\/strong> You won\u2019t be obligated to keep a minimum balance in your account (though you may want to for transfer fee rebates).<\/li><li><strong>Mobile banking.<\/strong> You\u2019ll be able to manage your transactions and banking details hassle-free using the TD Mobile Banking app.<\/li><li><strong>Foreign currency services.<\/strong> You can access competitive exchange rates on US dollars and over 50 foreign currencies.<\/li><\/ul><h3>What should I look out for?<\/h3><p>The TD U.S. Daily Interest Chequing Account has a handful of drawbacks that you may want to consider before you sign up:<\/p><ul class=\"list-3\"><li><strong>Fees in US dollars.<\/strong> You\u2019ll have to pay transaction fees in US dollars, which can cut into your budget more than anticipated.<\/li><li><strong>Currency exchange rates.<\/strong> You might spend a significant amount on foreign exchange rates if you regularly transfer funds between your US and Canadian account.<\/li><li><strong>No bill payments.<\/strong> You won\u2019t be able to pay bills, authorize cheques or set up pre-authorized payments using this account.<\/li><li><strong>Debit purchases aren\u2019t allowed.<\/strong> It\u2019s not possible to make point-of-sale transactions or Interac online purchases using your debit card.<\/li><li><strong>No ATM withdrawals.<\/strong> You won\u2019t be able to withdraw cash using an ATM or debit card with this account.<\/li><li><strong>No Interac e-Transfers.<\/strong> You can\u2019t send money to family or friends using Interac e-Transfers with the TD U.S. Daily Interest Chequing Account.<\/li><\/ul><h3>Compare TD with other savings accounts<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Earn Interest\",\"TopPicksData_providerLabel\":\"EQ Bank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"Sign-up Offer\",\"TopPicksData_providerLabel\":\"BMO\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"Big Five Bank\",\"TopPicksData_providerLabel\":\"Scotiabank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":3}];\n<\/script>\n\n  <script>\n    window.rewardsConfigs = window.rewardsConfigs || {};\n          window.rewardsConfigs[\"bmo|chq|sep-2026~cafsa\"] = {\"startDate\":\"2026-09-02T13:00:00.000Z\",\"endDate\":\"2026-10-31T21:00:00.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a <b>BMO Performance Chequing Account<\\\/b> online through Finder and receive a <b>$175 digital Visa card + earn up to $900<\\\/b> in welcome bonuses from BMO. 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10.04c-.43.06-.868-.021-1.246-.231a1.996 1.996 0 0 1-3.386-1.132l-.278-1.975 4.355-.612c1.089-.153 2.1.608 2.253 1.697a1.997 1.997 0 0 1-1.698 2.254\"><\/path><path fill=\"#232021\" d=\"M5.88 6.223a1.86 1.86 0 1 1-.733 3.417 1.86 1.86 0 0 1-3.23-.981l-.26-1.843zm-.038-.265-4.487.63.296 2.108a2.131 2.131 0 0 0 3.542 1.277A2.131 2.131 0 0 0 8.246 7.77a2.13 2.13 0 0 0-2.404-1.812\"><\/path><path fill=\"#232021\" d=\"M6.195 7.835a.066.066 0 0 1 .067-.067.392.392 0 0 0 .27-.694.064.064 0 0 1 .003-.095c.311-.262.686-.139.932.165.302.373.397.995.214 1.44-.256.622-.865.645-1.234.106a1.6 1.6 0 0 1-.252-.855M3.782 8.175a.066.066 0 0 1 .067-.067.392.392 0 0 0 .27-.694.064.064 0 0 1 .003-.095c.31-.263.685-.139.932.165.302.373.397.995.214 1.44-.256.622-.866.645-1.234.106a1.6 1.6 0 0 1-.252-.855\"><\/path><path fill=\"url(#tpc-top-picks-0000000000)\" d=\"M39.36 21.351a1.425 1.425 0 0 1 1.607 1.211 1.423 1.423 0 0 1-2.1 1.442 1.424 1.424 0 0 1-2.416-.807l-.198-1.41zm-.576.994c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.047.047c.005.215.058.432.18.61.262.385.697.368.88-.075.13-.318.063-.762-.153-1.027m1.722-.242c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.048.048c.006.214.058.43.18.61.263.384.698.367.88-.076.131-.318.063-.761-.152-1.027\"><\/path><\/g><defs><radialgradient id=\"tpc-top-picks-0000000000\" cx=\"0\" cy=\"0\" r=\"1\" gradienttransform=\"rotate(187.994 21.05 10.723)scale(4.25594 5.99724)\" gradientunits=\"userSpaceOnUse\"><stop offset=\".4\" stop-color=\"#edeef8\"><\/stop><stop offset=\".45\" stop-color=\"#f5f2e1\"><\/stop><stop offset=\".5\" stop-color=\"#f9cbd3\"><\/stop><stop offset=\".6\" stop-color=\"#dcecf6\"><\/stop><stop offset=\".7\" stop-color=\"#cac5fe\"><\/stop><stop offset=\".9\" stop-color=\"#cbe9f3\"><\/stop><stop offset=\"1\" stop-color=\"#f9e9d0\"><\/stop><\/radialgradient><lineargradient id=\"tpb-top-picks-0000000000\" x1=\"25.202\" x2=\"36.743\" y1=\"2.566\" y2=\"9.19\" gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Earn Interest<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/banking\/eq-bank-review\/eq-bank-personal-account-review\" class=\"topPicks__productName\">EQ Bank Personal Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" class=\"topPicks__image\" alt=\"EQ Bank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22provider_id%22%3A%225e5bd9bf-b394-4422-97dc-7e9052c4f642%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2222475%22%2C%22post_id%22%3A%22887296%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-us-daily-interest-chequing-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn 2.75% interest for 12 months<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No monthly account fee<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Free ATM withdrawals across Canada<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No transaction fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No e-Transfer fees<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-provider-id=\"17ec4faf-007c-4695-8db1-58ffc0fdcac9\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|chq|sep-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Sign-up Offer<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-performance-chequing-account-review\" class=\"topPicks__productName\">BMO Performance Chequing Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" class=\"topPicks__image\" alt=\"BMO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/finder-x-bmo-performance-chequing-account-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$175<\/text><\/svg><span>$175 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2222439%22%2C%22post_id%22%3A%22887296%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-us-daily-interest-chequing-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $900 welcome bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Monthly fee waived on $4,000+ balance<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"34e22551-d045-4451-8495-3962ed302fb2\" data-provider-id=\"2237afce-e1d0-48c8-91bf-b10ba8201a29\" data-product-name=\"Scotiabank Preferred Package\" data-provider-name=\"Scotiabank\" data-rewards-campaign-name=\"scotiabank|preferred|aug-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Big Five Bank<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-chequing\/scotiabank-preferred-package-review\" class=\"topPicks__productName\">Scotiabank Preferred Package<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" class=\"topPicks__image\" alt=\"Scotiabank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-preferred-package-account-promotion-august-september-2026\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$100<\/text><\/svg><span>$100 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/scotiabank-preferred-package-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%2234e22551-d045-4451-8495-3962ed302fb2%22%2C%22product_name%22%3A%22Scotiabank%2BPreferred%2BPackage%22%2C%22provider_id%22%3A%222237afce-e1d0-48c8-91bf-b10ba8201a29%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2224036%22%2C%22post_id%22%3A%22887296%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-us-daily-interest-chequing-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-scotiabank-chequing-account-reward-promotion-terms-and-conditions-august-september-2026\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $1,000 bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn up to 0.90% interest on qualifying savings accounts<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$16.95 monthly fee waived on $4,000+ balances<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>How do I open a TD U.S. Daily Interest Chequing Account?<\/h3><p>Follow these steps to open a TD U.S. Daily Interest Chequing Account online:<\/p><ol><li>Go to TD\u2019s website and click \u201cU.S. Dollar Accounts\u201d under the tab \u201cBank Accounts\u201d.<\/li><li>Select the TD U.S. Daily Interest Chequing Account and click \u201cOpen Account\u201d.<\/li><li>Enter your personal information such as your full name, date of birth, Social Insurance Number (<a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/services\/sin.html\" target=\"_blank\" rel=\"noopener noreferrer\">SIN<\/a>) and email address.<\/li><li>Submit your application and sign up for an online TD account with your new banking information.<\/li><\/ol><h4>Eligibility requirements<\/h4><p>To apply for a TD U.S. Daily Interest Chequing Account, you need to meet the following criteria:<\/p><ul class=\"list-7\"><li>Be a Canadian citizen or resident who is at least 18 years old (19 in some provinces)<\/li><li>Be opening a sole account in your name<\/li><\/ul><h4>Required documents and information<\/h4><ul class=\"list-7\"><li>Your name, residential status and contact information<\/li><li>Your Social Insurance Number (optional) and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><h3>How do I deposit or withdraw my money?<\/h3><p>The only way to withdraw funds from this account is to transfer your money from your TD U.S. Daily Interest Chequing Account to your Canadian account. To deposit funds, you\u2019ll typically need to transfer them into your US account from your Canadian chequing or savings account.<\/p><h3>How can I get in touch with customer service?<\/h3><p>It\u2019s easy to get in touch with TD\u2019s customer service team using a variety of methods:<\/p><ul class=\"list-10\"><li><strong>By phone.<\/strong> You can call into TD\u2019s customer service hotline to get help from an agent over the phone.<\/li><li><strong>In person.<\/strong> If you\u2019d prefer to deal with your account in person, you can choose to visit a branch to speak to a TD agent.<\/li><li><strong>By mail.<\/strong> It\u2019s possible to send inquiries or documents to TD\u2019s head office in Toronto.<\/li><li><strong>By email.<\/strong> You\u2019ll be able to send secure messages from your online account to make inquiries about your TD U.S. Daily Interest Chequing Account.<\/li><\/ul><h3>Frequently asked questions about the TD U.S. Daily Interest Chequing Account<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I need to pay fees for this account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There are no monthly fees with this account but you will have to pay fees if you make transfers. That said, you should be able to get these fees waived if you keep a minimum balance of US$1,500 in your account at all times.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How many withdrawals can I make on this account each month?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You won\u2019t be able to make any free withdrawals on this account unless you have a minimum balance of US$1,500. In this case, your transfer fees will be waived and you can make as many transactions as you want for no additional fee.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I send Interac e-Transfers with this account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Unfortunately, no. You won\u2019t be able to send Interac e-Transfers using this account. However, you can transfer money to your Canadian chequing account and then e-Transfer it from there.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Will I need to pay currency exchange rates when I make transfers?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. You\u2019ll pay an additional rate every time that you transfer Canadian dollars into US dollars or vice versa. You can find out more about how much you\u2019ll have to pay by checking out TD\u2019s exchange rate on its website.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Is my money safe with TD?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It sure is. TD is a member of the Canada Deposit Insurance Corporation (<a href=\"http:\/\/CDIC.ca\" target=\"_blank\" rel=\"noopener noreferrer\">CDIC<\/a>), which means that any money you put into your account will be protected up to $100,000 in the very unlikely event that TD becomes insolvent.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I apply online?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can apply by visiting TD\u2019s website and filling out an application or you can visit a branch in person to sign up for an account. It\u2019s also possible to call TD\u2019s phone hotline to get started.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Earn interest on the balance you hold in US dollars with this cross-border chequing account. <\/p>\n","protected":false},"author":474,"featured_media":804906,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"TD US Daily Interest Chequing","_yoast_wpseo_title":"TD US Daily Interest Chequing Account Review | Finder Canada","_yoast_wpseo_metadesc":"Get a small return on interest whenever you build up your USD balance with the innovative cross-border TD US Daily Interest Chequing 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11:03:05\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We verified and updated information throughout this guide.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[101383],"tags":[],"asset_tag":[],"class_list":["post-887296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-td-chequing"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TD US Daily Interest Chequing Account Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"Get a small 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