{"id":887914,"date":"2020-11-03T13:59:26","date_gmt":"2020-11-03T18:59:26","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=887914"},"modified":"2025-06-18T16:19:18","modified_gmt":"2025-06-18T20:19:18","slug":"td-every-day-chequing-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-every-day-chequing-account-review","title":{"rendered":"TD Every Day Chequing Account review"},"content":{"rendered":"<p>One of Canada\u2019s biggest banks, TD Canada Trust offers a full suite of personal and business banking products, including chequing accounts, savings accounts, credit cards, loans, mortgages and investment solutions. The TD Every Day Chequing Account is a simple, no-frills account for spending and moving funds.<\/p><p>It comes with a few nice perks, but the monthly fee is a little steep. That being said, you can get the fee waived by maintaining a daily balance of $3,000 or more. If you\u2019re 60+ years old, the monthly fee goes down to $8.20.<\/p><h3>What are the benefits of the TD Every Day Chequing Account?<\/h3><p>The TD Every Day Chequing Account offers a reasonable number of benefits for a mid-range account, including:<\/p><ul class=\"list-1\"><li><strong>25 free transactions<\/strong>. You can carry out 25 debits per month at no additional cost. This includes debit purchases, bill payments, Interac e-transfers and ATM withdrawals.<\/li><li><strong>Discounted or waivable monthly fee.<\/strong> You can hold this account for free for every month that you hold $3,000 or more in your account at the end of every day. Seniors who are at least 60 years old only pay $8.20 per month.<\/li><li><strong>Free Interac e-Transfers.<\/strong> Get unlimited Interac e-Transfers for free.<\/li><li><strong>Mobile cheque deposit.<\/strong> Deposit cheques without visiting a TD branch by taking photos on the TD mobile app.<\/li><li><strong>Online and mobile app.<\/strong> Manage your money anytime, anywhere via TD\u2019s online banking platform or easy-to-use mobile app.<\/li><li><strong>Accelerated Starbucks rewards.<\/strong> Link your TD Access Card to your Starbucks Rewards account to earn 50% more Starbucks Stars.<\/li><li><strong>Canada-wide.<\/strong> You can open the TD Every Day Chequing Account in any province or territory in Canada.<\/li><li><strong>CDIC insured.<\/strong> In the unlikely event TD Canada Trust fails, your deposits will be covered up to $100,000 across all your TD accounts.<\/li><\/ul><h3>What should I watch out for?<\/h3><p>There are a couple of drawbacks you might want to consider before signing up for an account:<\/p><ul class=\"list-3\"><li><strong>Monthly fee.<\/strong> You\u2019ll have to pay a monthly fee of $11.95 to keep this account active unless you hold $3,000 or more in your account at all times or you qualify for a senior\u2019s discount.<\/li><li><strong>No interest.<\/strong> <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/interest-earning-chequing-accounts\">Unlike some chequing accounts<\/a>, you won\u2019t earn any interest on your balance.<\/li><li><strong>Extra fees.<\/strong> Every transaction after the monthly limit costs $1.25. Pay $2 for using out-of-network ATMs in Canada. Paper statements cost $2 per month. Plus, you\u2019ll pay extra for overdraft protection.<\/li><li><strong>Limited benefits.<\/strong> Because this is a very basic chequing account, you won\u2019t get the perks you\u2019d get with premium accounts such as credit card fee rebates, free cheques and money orders and free safety deposit boxes.<\/li><\/ul><h3>What other chequing accounts does TD offer?<\/h3><p>TD has several chequing accounts to choose from so it should be easy to find a good match based on the exact features you\u2019re looking for:<\/p><ul><li><strong>TD Minimum Chequing Account.<\/strong> This is a bare bones account designed for customers with minimal banking needs. It costs $3.95 per month to maintain and you\u2019ll get 12 free transactions per month. You can also get this account for free if you fit into a certain demographic (such as being a student or a senior).<\/li><li><strong>TD Unlimited Chequing Account.<\/strong> The TD Unlimited Chequing Account offers unlimited free transactions, free Interac e-Transfers, a generous welcome bonus and free <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">ATM withdrawals in Canada<\/a>. This plan costs $17.95 per month to maintain but this fee can be waived if you keep a minimum balance of $4,000 on yout account.<\/li><li><strong>TD All-Inclusive Banking Plan.<\/strong> This account offers unlimited free transactions, a generous welcome bonus, a premium credit card rebate and free ATM withdrawals both domestically and internationally. It costs $30.95 per month to maintain, with a fee waiver if you keep over $6,000 in your account at all times.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\" style=\"text-decoration:underline; font-size:0.9em;\">Explore TD chequing accounts<\/a>\n<\/div>\n<\/article><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%22887914%22%2C%22post_path%22%3A%22chequing-accounts%252Ftd-chequing%252Ftd-every-day-chequing-account-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><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\" style=\"text-decoration:underline; font-size:0.9em;\">Compare Canadian chequing accounts<\/a>\n<\/div>\n<\/article><h3>How do I open a TD Every Day Chequing Account?<\/h3><h4>Eligibility requirements<\/h4><p>To apply for a TD Every Day Chequing Account, you need to meet the following criteria:<\/p><ul><li>Be a resident of Canada<\/li><li>Be at least the age of majority in your province or territory (18 or 19 years old)<\/li><\/ul><h4>Required documents and information<\/h4><ul><li>Basic personal information like your full name, email address and contact information<\/li><li>Social Insurance Number (optional) and date of birth<\/li><li>Basic employment information<\/li><li>Proof of identity such as a driver\u2019s licence, passport or permanent resident card<\/li><li>Proof of residency might be requested such as a recent utility bill showing your address<\/li><\/ul><h3>How do I deposit or withdraw my money?<\/h3><p>You can easily take money out of your account at an ATM or by visiting a branch in person. It\u2019s also possible to transfer money out of your account using an internal TD transfer or by sending money to an external bank account.<\/p><p>To deposit funds, all you need to do is cash a cheque or deposit cash at an ATM or in a branch. The also supports mobile cheque deposit on the TD Canada app. Additionally, you can set up a direct deposit from your payroll or send a transfer in from a TD account or an external bank account.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/digital-banking\" style=\"text-decoration:underline; font-size:0.9em;\">Learn more about digital banking in Canada<\/a>\n<\/div>\n<\/article><\/p><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\">Can I get the monthly fee waived with the TD Every Day Chequing 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 may be able to get a discount on your monthly fee if you hold $3,000 or more in your account at all times. You may also be eligible for a discount if you're 60 years of age or older.<\/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\">What is the minimum balance for the TD Every Day Chequing 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>There is no minimum balance for the TD Every Day Chequing Account, so you can open an account with any amount.<\/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\">Are funds held in a TD Every Day Chequing Account safe?<\/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>TD follows industry-standard best practices for safeguarding customers' personal and financial information, including data encryption, firewalls and two-step verification. You'll be fully reimbursed if you lose money due to someone gaining unauthorized to your account via TD online or mobile service.<\/p><p>Additionally, TD Canada Trust is a member of the Canada Deposit Insurance Corporation. That means deposits across all your TD accounts are collectively covered up to $100,000 in the unlikely event that TD goes 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-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I open a TD Every Day Chequing Account 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-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can apply to open a TD Every Day Chequing Account online by visiting TD's website, or you can visit a local branch in person to open an account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_412598142\" data-toggle=\"collapse\" data-target=\"#sources_412598142\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_412598142\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.td.com\/ca\/en\/personal-banking\/products\/bank-accounts\/chequing-accounts\/every-day-chequing-account\" target=\"_blank\">TD Canada Trust: TD Every Day Chequing Account, Accessed May 11, 2024<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.cdic.ca\/depositors\/list-of-members\" target=\"_blank\">CDIC: List of members, Accessed May 11, 2024<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"3\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Bank Canada. Banking statistics in Canada.\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Banking statistics and trends in Canada for 2025<\/a>            <\/p>        <\/header>        <p>Explore key banking statistics and figures from the Finder: Consumer Sentiment Survey January 2025.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">Best free (no-fee) chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare the features of 8 of the best no-fee chequing accounts in Canada, and find out how to avoid transaction fees.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Best new bank account offers\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">17 best new bank account offers for May 2026<\/a>            <\/p>        <\/header>        <p>Earn cash, rewards points, bonus interest rates and more with these new bank account offers and promotions.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>This low-cost account is designed for basic, everyday spending. Learn more in our TD Every Day Chequing Account review.<\/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-887914","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 Every Day Chequing Account Review: Pros &amp; Cons | Finder Canada<\/title>\n<meta name=\"description\" content=\"This basic account has a modest monthly fee but comes with few perks. 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