{"id":887521,"date":"2020-10-30T16:48:52","date_gmt":"2020-10-30T20:48:52","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=887521"},"modified":"2026-01-20T15:36:46","modified_gmt":"2026-01-20T20:36:46","slug":"td-borderless-plan-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-borderless-plan-review","title":{"rendered":"TD Borderless Plan review"},"content":{"rendered":"<p>The TD Borderless Plan is a low-fee account designed for frequent US travellers and shoppers. It offers unlimited free transfers between your Canadian and US accounts along with an annual U.S. Dollar Visa Card rebate. This account costs US$4.95 per month to maintain, though you can get a fee rebate if you keep US$3,000 in your account at all times. You\u2019ll also have to pay currency conversion fees whenever you transfer money between your accounts.<\/p><h4>30-second take<\/h4><ul class=\"list-1\"><li>Think about this account if you want a US credit card rebate and you\u2019d like unlimited free transfers between your US and Canadian TD accounts.<\/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 Borderless Plan?<\/h3><p>The TD Borderless Plan is a US dollar account that offers a number of exclusive benefits. These include the following:<\/p><ul class=\"list-1\"><li><strong>Low monthly fees.<\/strong> You\u2019ll only have to pay US$4.95 per month to maintain this account, and this fee can be waived if you keep a minimum balance of US$3,000.<\/li><li><strong>Unlimited free transfers.<\/strong> You\u2019ll be able to transfer money between your Canadian and US accounts as much as you want for no additional fee.<\/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 monthly fee rebates).<\/li><li><strong>Credit card fee rebate.<\/strong> You\u2019ll be able to qualify for a credit card rebate when you sign up for the TD U.S. Dollar Visa Card.<\/li><li><strong>Foreign currency services.<\/strong> You can access competitive exchange rates on US dollars and over 50 foreign currencies.<\/li><li><strong>Free premium perks.<\/strong> You can enjoy special perks such as free US bank drafts and basic cheques at no additional cost.<\/li><\/ul><h3>What should I look out for?<\/h3><p>While the TD Borderless Plan comes with several benefits, there are also some drawbacks that you should be aware of before signing up:<\/p><ul class=\"list-3\"><li><strong>Fees in US dollars.<\/strong> All of your fees will be charged in US dollars, which means you\u2019ll pay more than you would if your fees were in Canadian dollars.<\/li><li><strong>No interest on account balance.<\/strong> You won\u2019t earn any interest on the balance you hold in your account.<\/li><li><strong>Currency exchange rates.<\/strong> You may pay more than expected in foreign exchange rates if you regularly transfer funds between your US and Canadian accounts.<\/li><li><strong>Limited transaction types.<\/strong> You won\u2019t be able to use your account for ATM withdrawals, debit purchases or bill payments.<\/li><li><strong>No Interac e-Transfers.<\/strong> You can\u2019t send money to family or friends using Interac e-Transfers with the TD Borderless Plan.<\/li><\/ul><h3>Compare TD with other chequing accounts<\/h3>\n    \n\n<style>\n#toppicks { overflow-x: auto; }\n.table-expander__content { margin-left: 0.5rem; line-height: normal; }\n.pro-section { line-height: 1.35rem; text-align: left; }\n\n.topPicksF1 .card-topText {\n    font-weight: 800;\n    height: 50px;\n    font-style: italic;\n    align-content: space-around;\n}\n\n.topPicksF1 .zoom:hover {\n    box-shadow: 4px 6px 0 0 #232320;\n}\n\n.topPicksF1 .topPicks__deal {\n    color: #232021;\n    background-color: #F7F6EC;\n}\n\n.container-threepc.threepc-flex::-webkit-scrollbar { display: none; }\n.gx-badge__body.awards-badge__body.hasPopover.threepc-award { margin-top: 0; }\n.topPicks__card-card figure.award { padding: 0px 10px 20px 10px; margin: -3px auto 3px; width: 130px; }\n.topPicks__card-card figure.noward { padding: 10px; width: 130px; }\n.award-wrapper { height: 0px; display: block; margin: -23px auto 23px; }\n.award-bnt { padding-top: 0.5em; padding-bottom: 0.5em; }\n.award-pad { padding-top: 0.5rem; margin-bottom: 0.55rem; }\n.luna-card__block { padding: 1.25rem; }\n.ratings-w { width: 42%; 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}\n    .award-wrapper { height: 0px; display: block; }\n    .cardProductname-header { margin-top: 2.2rem; }\n\n    .mastheadPick-item {\n        margin: 5px;\n        width: 80%;\n    }\n\n    .standardMasthead__widgetSection {\n        margin-bottom: 0;\n    }\n\n    .cardColoured-banner {\n        font-size: 0.9rem;\n        background-color: #e5f7ff;\n    }\n}\n<\/style>\n\n<style>\n       .icondeal > use { fill: #232320 !important }\n    .icondeal { width: 1rem !important; height: 1rem !important; vertical-align: \/*middle;*\/ vertical-align: bottom !important;}\n  .best-page-offer-text-rib {  border-radius: 16px !important;  background-color: #F7F6EC; padding: 0.5rem; display: inline-block;}\n  .threepc-page-offer-text-rib { padding: 0.3em !important }\n  td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; } td.comparison-table__feature--longtext .has-margin-bottom-xsmall { border-radius: 3px; }\n<\/style> \n\n    \n\n\n                        \n\n\n\n\n\n\n    \n                <div class=\"container-threepc threepc-flex topPicksF1\" id=\"toppicks\">\n\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"bffd0c48-dbf8-4ec5-aedf-a9eeb532406b\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Earn Interest\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" 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%22nb-product%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22offer_id%22%3A%2222475%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22position%22%3A%221%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to EQ Bank\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" loading=\"lazy\" alt=\"EQ Bank logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                       <a target=\"_blank\" rel=\"sponsored\" 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%22product_link%22%2C%22class%22%3A%22luna-button%2Bluna-button--fluid%2Bluna-button--success%22%2C%22title%22%3A%22GO%2BTO%2BSITE%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2222475%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%22provider_name%22%3A%22EQ%2BBank%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" class=\"luna-button luna-button--fluid luna-button--success\">GO TO SITE<\/a>\n\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">bffd0c48-dbf8-4ec5-aedf-a9eeb532406b-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li><b>Earn 2.75% interest for 12 months<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 2.75% interest on your money with qualifying direct deposits of $2,000\/month, and 1.00% otherwise.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>No monthly account fee<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Free ATM withdrawals across Canada<\/li>\r\n            \r\n         \r\n            \r\n                 <li>No transaction fees<\/li>\r\n            \r\n         \r\n            \r\n                 <li>No e-Transfer fees<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"b01ef1f7-4690-430e-890a-bde8c7186248\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Sign-up Offer\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"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%22nb-product%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2222439%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22position%22%3A%222%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to BMO\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" loading=\"lazy\" alt=\"BMO logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                       <div class=\"rewards--element-container rewards--container\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-niche=\"CAFSA-CHQ\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|performance|may-2026~cafsa\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|performance|may-2026~cafsa\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$175 digital Visa card + earn up to $800\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $175 digital Visa card from Finder on or before August 14, 2026\"}],\"heading\":\"Get $175 from Finder\",\"membersHeading\":\"Get $175 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"continueText\":\"GET $175 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO BMO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"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%22product_link%22%2C%22class%22%3A%22luna-button%2Bluna-button--fluid%2Bluna-button--success%22%2C%22title%22%3A%22GO%2BTO%2BSITE%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2222439%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%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" class=\"luna-button luna-button--fluid luna-button--success rewards--cta\">GO TO SITE<\/a><\/div>\n\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">b01ef1f7-4690-430e-890a-bde8c7186248-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li><b>Earn an $800 welcome bonus<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026.&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year.&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months.&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026.&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;&lt;\/li&gt;\r\n            \r\n         \r\n            \r\n                 &lt;li&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>Unlimited free transactions<\/li>\r\n            \r\n         \r\n            \r\n                 <li>$0 Interac e-Transfers<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Monthly fee waived on $4,000+ balance<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"34e22551-d045-4451-8495-3962ed302fb2\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Big Five Bank\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"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%22nb-product%22%2C%22product_id%22%3A%2234e22551-d045-4451-8495-3962ed302fb2%22%2C%22product_name%22%3A%22Scotiabank%2BPreferred%2BPackage%22%2C%22offer_id%22%3A%2224036%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22position%22%3A%223%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to Scotiabank\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" loading=\"lazy\" alt=\"Scotiabank logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                       <a target=\"_blank\" rel=\"sponsored\" href=\"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%22product_link%22%2C%22class%22%3A%22luna-button%2Bluna-button--fluid%2Bluna-button--success%22%2C%22title%22%3A%22GO%2BTO%2BSITE%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22offer_id%22%3A%2224036%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%22provider_name%22%3A%22Scotiabank%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" class=\"luna-button luna-button--fluid luna-button--success\">GO TO SITE<\/a>\n\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">34e22551-d045-4451-8495-3962ed302fb2-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li><b>Earn a $700 bonus<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to $700 when you bundle a Preferred Package, savings account, and registered account. &lt;b&gt;Valid until July 2, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\r\n            \r\n         \r\n            \r\n                 <li>Earn up to 0.90% interest on qualifying savings accounts<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Unlimited free transactions<\/li>\r\n            \r\n         \r\n            \r\n                 <li>$0 Interac e-Transfers<\/li>\r\n            \r\n         \r\n            \r\n                 <li>$16.95 monthly fee waived on $4,000+ balances<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n            <\/div>\n\n    \n<h3>How does this account compare to alternatives?<\/h3>\nWhile there are many comparable accounts on the Canadian landscape, the best alternative is the BMO Performance Chequing Account. It is the highest-rated Big Five Bank chequing account on <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">our list of the best chequing accounts in Canada<\/a>.\n<div class=\"has-padding-xsmall\"><\/div>\n\nBesides offering top features, widespread ATM access and unlimited transactions, for a limited time when you sign up for the BMO Performance Chequing Account through Finder, you'll get an exclusive offer.\n<div class=\"has-padding-xsmall\"><\/div>\n<article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m  rewards--element-container rewards--container \" style=\"padding-bottom: 0px;\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-product-name=\"BMO Performance Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|performance|may-2026~cafsa\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" class=\"lazy-load\" alt=\"BMO Performance Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info b01ef1f7-4690-430e-890a-bde8c7186248\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8.7<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"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%22nb-product%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2222439%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1060528%2C%22name%22%3A%22bmo-rebate-decorator%22%2C%22country%22%3A%22ca%22%7D%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-performance-chequing-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>BMO Performance Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months.&lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$17.95\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-b01ef1f7-4690-430e-890a-bde8c7186248-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-b01ef1f7-4690-430e-890a-bde8c7186248-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-b01ef1f7-4690-430e-890a-bde8c7186248-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"u-grid__col u-1\/1 deals--container\">\r\n                  <div class=\"deals--rewards-container\">\r\n                    <div class=\"deals--container\">\r\n                      <div class=\"deals--rewards\">\r\n                        <h1 class=\"deals--rewards-tag\">Finder Reward<\/h1>\r\n                        <span><b>Get a $175 digital Visa gift card from Finder.<\/b> Become a Finder Member and open a BMO Performance Chequing Account through Finder.<\/span>\r\n                      <\/div>\r\n                    <\/div>\r\n                    \r\n                      <a href=\"\/ca\/finder-rewards\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\" class=\"deals--rewards-terms\" target=\"_blank\" rel=\"noopener noreferrer\">T&amp;Cs apply.<\/a>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                The BMO Performance Chequing Account offers unlimited free transactions and e-Transfers, and a generous welcome bonus.\n<h4><\/h4>\nGet up to $800 in cash bonuses. You can also get a Walmart Delivery Pass Subscription for up to 12 months with qualifying actions. <b>Valid until June 1, 2026.<\/b> Plus, earn a 4.50% promo interest rate when you open a Performance Chequing Account with a Savings Amplifier Account.\n<h4><\/h4>\nPlus, get more when you sign up through Finder. <b>Exclusive offer:<\/b> Become a Finder member and receive a <b>$175 digital Visa card<\/b> from Finder when you open a BMO Performance Chequing Account through Finder. Offer ends June 30, 2026. T&amp;Cs apply.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-b01ef1f7-4690-430e-890a-bde8c7186248-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$17.95<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2.5%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Performance Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months.&lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026.&lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n<script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.482ec4183795d5e069d4.js\" type=\"text\/javascript\" defer><\/script>\n        <script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/loyalty-rewards.a32ff1e0871b1229ec30.js\" type=\"text\/javascript\" defer><\/script>\n<link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.4ac86867ae4423a808cc.css\" type=\"text\/css\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|performance|may-2026~cafsa\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$175 digital Visa card + earn up to $800\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-31T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. 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div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3>How do I open a TD Borderless Plan?<\/h3><p>Follow these steps to open a TD Borderless Plan online:<\/p><ol><li style=\"padding-bottom: 14px;\">Go to TD\u2019s website and click \u201cPersonal\u201d in the top left. From the \u201cProducts\u201d dropdown go to \u201cBank Accounts\u201d and then click the \u201cBrowse all accounts\u201d button.<\/li><li style=\"padding-bottom: 14px;\">Scroll down to the TD Borderless Plan and click the \u201cOpen account\u201d button.<\/li><li style=\"padding-bottom: 14px;\">Enter your personal information such as your full name, date of birth, Social Insurance Number and email address.<\/li><li style=\"padding-bottom: 14px;\">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 Borderless Plan, 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 Borderless Plan 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><p>Unfortunately, it\u2019s not possible to carry out transactions such as debit purchases, ATM withdrawals or bill payments on this account. You also won\u2019t be able to deposit funds in US dollars by visiting a TD ATM or branch.<\/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> Call TD\u2019s customer service team to get dedicated support with your account.<\/li><li><strong>In person.<\/strong> Visit a branch in person to ask any questions you might have before signing up for an account.<\/li><li><strong>By mail.<\/strong> Mail any inquiries or documents to TD\u2019s head office in Toronto if you don\u2019t mind waiting for a reply.<\/li><li><strong>By email.<\/strong> Send a secure message from your online account to deal with any issues you may be having with your TD Borderless Plan.<\/li><\/ul><ul class=\"luna-accordionGroup accordionGroup\">\n\t<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=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\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=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You'll have to pay a fee of US$4.95 per month when you sign up for this account. This fee will give you unlimited access to free transfers between your accounts. You'll also get a credit card rebate and other banking perks such as free US bank drafts and basic cheques when you sign up.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can I get my monthly account fees waived?<\/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=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. You can get your monthly account fees waived if you keep a minimum balance of US$3,000 in your account. You'll also get a discount on your fees if you hold a TD All-Inclusive Banking Plan in addition to your TD Borderless Plan.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How many transactions 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=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can make unlimited transfers between your Canadian and US dollar accounts. You won't be able to make other types of transactions such as ATM withdrawals, debit purchases or bill payments with this account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\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=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. You'll have to pay currency exchange rates whenever you make transfers between your Canadian and US dollar accounts, but you'll get access to preferred exchange rates. You can find out more about how much you'll have to pay by checking out TD's exchange rate on its website.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\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=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It definitely is. TD is one of Canada's largest banks and it's a member of the Canada Deposit Insurance Corporation (<a href=\"https:\/\/www.cdic.ca\" target=\"_blank\" rel=\"noopener noreferrer\">CDIC<\/a>). This means that any money you put into your account will be protected up to $100,000 in the very unlikely event that TD becomes bankrupt.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\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=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can apply by visiting TD's website to fill out an application or you can visit a branch in person to sign up for an account. It's also possible to call TD's phone hotline to get started.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Enjoy unlimited free transfers and a number of cross-border perks when you sign up for this low-fee US dollar account. <\/p>\n","protected":false},"author":474,"featured_media":1023134,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[101383],"tags":[],"asset_tag":[],"class_list":["post-887521","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 v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>TD Borderless Plan Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"Enjoy unlimited transactions and premium banking perks when you shop or travel in the US with the low-fee TD Borderless Plan account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-borderless-plan-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Borderless Plan review\" \/>\n<meta property=\"og:description\" content=\"Enjoy unlimited transactions and premium banking perks when you shop or travel in the US with the low-fee TD Borderless Plan account.\" \/>\n<meta property=\"og:url\" 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