{"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":"2026-09-07T06:55:07","modified_gmt":"2026-09-07T10:55:07","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><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,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"stackedRewardCopy\":\"Get this PLUS a $175 digital Visa gift card when you join Finder, open a BMO Performance Chequing Account online through Finder. 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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%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-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 up to 2.75% interest<\/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%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-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|sep-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\/6abd12222b8d0.svg\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6abd12222b8d0.svg\" 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\" 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%22887521%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-borderless-plan-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\" 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 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>\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    \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|chq|sep-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 $900<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $900&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $700 when you open and fund a new BMO Performance Chequing Account by November 2, 2026 and complete the qualifying tasks by December 31, 2026.&lt;br \/&gt;&lt;br \/&gt;The qualifying tasks are firstly to set up a recurring direct deposit of at least $500, and then complete one of the following: 1) make two bill payments of $50 or more to two different payees through online or mobile banking or 2) set up two pre-authorized debits of $50 or more from two different payees.&lt;br \/&gt;&lt;br \/&gt;You can then earn $150 when you open a Savings Amplifier Account within 30 days, deposit a total of $10,000 or more, and maintain a daily closing balance of $10,000 or more for a total of 210 days (120 days to access the promo interest rate + an additional 90 days).&lt;br \/&gt;&lt;br \/&gt;You'll then earn another $50 when you create one Goal and apply one Strategy in the My Financial Progress Plan by December 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart+ membership for up to 12 months when you open and fund a new BMO Chequing Account by November 2, 2026, and sign up for or update your existing Walmart+ membership by December 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&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-july-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 $900 in cash bonuses. You can also get a Walmart+ membership for up to 12 months with qualifying actions. <b>Valid until August 6, 2026.<\/b> Plus, earn a 4.75% 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 October 31, 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 $900<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $900&lt;\/b&gt;&lt;br \/&gt;&lt;br \/&gt;Earn $700 when you open and fund a new BMO Performance Chequing Account by November 2, 2026 and complete the qualifying tasks by December 31, 2026.&lt;br \/&gt;&lt;br \/&gt;The qualifying tasks are firstly to set up a recurring direct deposit of at least $500, and then complete one of the following: 1) make two bill payments of $50 or more to two different payees through online or mobile banking or 2) set up two pre-authorized debits of $50 or more from two different payees.&lt;br \/&gt;&lt;br \/&gt;You can then earn $150 when you open a Savings Amplifier Account within 30 days, deposit a total of $10,000 or more, and maintain a daily closing balance of $10,000 or more for a total of 210 days (120 days to access the promo interest rate + an additional 90 days).&lt;br \/&gt;&lt;br \/&gt;You'll then earn another $50 when you create one Goal and apply one Strategy in the My Financial Progress Plan by December 31, 2026.&lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart+ membership for up to 12 months when you open and fund a new BMO Chequing Account by November 2, 2026, and sign up for or update your existing Walmart+ membership by December 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee.&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.bf065cfa5b2794bc0a6f.js\" type=\"text\/javascript\" defer><\/script>\n        <script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/loyalty-rewards.e907b75942725a711261.js\" type=\"text\/javascript\" defer><\/script>\n<link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.f391a23844587e1c812f.css\" type=\"text\/css\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|chq|sep-2026~cafsa\"] = {\"startDate\":\"2026-09-02T13:00:00.000Z\",\"endDate\":\"2026-10-31T21:00:00.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"stackedRewardCopy\":\"Get this PLUS a $175 digital Visa gift card when you join Finder, open a BMO Performance Chequing Account online through Finder. Offer ends October 31, 2026.\",\"hasEligibilityCriteria\":true,\"offerStacking\":true,\"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 $900\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends October 31, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"nicheText\":\"Chequing Accounts\",\"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\\\/finder-x-bmo-performance-chequing-account-promotion\",\"validationDate\":\"2026-11-30T05:00:00.000Z\",\"fulfillmentDate\":\"2026-12-30T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"75\",\"partnerRewardValue\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. 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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>\n\n\n<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-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\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-0000000001\" 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-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\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-0000000002\" 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-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\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-0000000003\" 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-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\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-0000000004\" 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-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\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-0000000005\" 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-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\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-0000000006\" 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":{"_yoast_wpseo_focuskw":"TD Borderless Plan review","_yoast_wpseo_title":"TD Borderless Plan Review | Finder Canada","_yoast_wpseo_metadesc":"Enjoy unlimited transactions and premium banking perks when you shop or travel in the US with the low-fee TD Borderless Plan account.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","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,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-08-13 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-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 v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\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\" content=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-borderless-plan-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-30T20:48:52+00:00\" \/>\n<meta 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