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TD Bank

Breianne C

Planning 10

2%

A

4

2

1

5

7%

B

D

Bank Accounts Types

Types of Accounts

TD Bank provides four types of bank accounts, which are:

U.S. Dollar Account

Chequing Account

Savings Account

Tax-Free Savings Account

Chequing

Accounts

Chequing Accounts

A bank account that allows for withdrawals through checks, ATMs, or debit cards.

TD offers 3 different plans when making a chequing account:

  • Inclusive
  • Unlimited
  • Every Day

Every Day

All-Inclusive

Unlimited

  • Unlimited transactions
  • TD Mobile Deposit enabled
  • TD Fraud Alerts enabled
  • Convenient US Banking
  • Non-TD ATM fee: $2.00
  • Foreign ATM Fees inside US & Mexico: $3.00
  • Foreign ATM Fees outside US & Mexico: $5.00
  • No Additional Transaction fees
  • Unlimited transactions
  • TD Mobile Deposit enabled
  • TD Fraud Alerts enabled
  • Convenient US Banking
  • Free Access to non-TD ATMS
  • Discounted US Banking products and services
  • Free personalized cheques
  • Small Safety Desposit box
  • No additional fees to foreign ATM fees inside or outside US and Mexico
  • 25 transactions per month
  • TD Mobile Deposit enabled
  • TD Fraud Alerts enabled
  • Convenient US Banking
  • Non-TD ATM fee: $2.00
  • Foreign ATM Fees inside US & Mexico: $3.00
  • Foreign ATM Fees outside US & Mexico: $5.00
  • Additional transaction fee: $1.25

$29.95 per month

$359.40 annually

$10.95 per month

$131.40 annually

$14.95 per month

$179.40 annually

Savings Accounts

Savings Accounts

A deposit account that earns interest.

TD currently provides 3 types of Savings accounts:

  • Every Day
  • High Interest
  • ePremium

Every Day

High Interest

ePremium

  • No Monthly account fees
  • Free online transactions
  • $5.00 per transaction
  • No Monthly account fees
  • Free Transfers
  • 1 Free transaction per month
  • $2.00 per additional transaction
  • No Monthly account fees
  • $5.00 transfer fee or free with $25,000 minimum monthly balance
  • $5.00 per transaction or free with $25,000 monthly balance

U.S. Dollar Accounts

U.S. Dollar Accounts

TD offers 2 plans with this type of account:

  • U.S. Dollar Daily Interest Chequing Account
  • Borderless Plan

Borderless Plan

U.S. Dollar Daily Interest

Chequing Account

  • No monthly account fees
  • Write cheques and save in U.S. dollars
  • Easy online exchange of Canadian-U.S. funds
  • Transfer funds quickly and securely between your TD Canada Trust Canadian and U.S. dollar accounts using TD app
  • Preferred exchange rates
  • Fee waived on TD U.S. Dollar Visa Card ($39 U.S. value)
  • Free U.S. Bank Drafts, Traveler's Cheques and cheque orders
  • Unlimited no-fee transactions
  • Transfer funds quickly and securely between your TD Canada Trust Canadian and U.S. dollar accounts using TD app
  • $3.00 U.S. discount on monthly fee with an All Inclusive Banking Plan
  • Approximately $158 U.S./year of value in account features

Tax-Free Savings Account

Tax-Free Savings Account

A registered account that allows Canadians to obtain money tax-free.

This type of account provides:

  • Tax-free earnings
  • Tax-free withdrawals
  • The ability to put back any money you withdraw

Conclusion

Conclusion

Out of all the bank accounts available at TD Bank, the best one for a first-year university student like John would be the Every Day Savings Account. It would allow him to save up money since university is pricey and he doesn't make a lot of money.

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