加拿大
美國 
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您要開設TD無限交易支票賬戶
Save time and add a new Savings account or TD Credit Card account in one application!
一會兒見
道明銀行集團不對此頁面超連結指向的第三方網站的內容負責，也不保證或認可第三方網站上提供的資訊、推薦、產品或服務。
第三方網站的私隱及安全政策可能與道明銀行集團不同。在提供個人或機密資訊之前，您應該查看任何第三方網站的私隱及安全政策。
網站索引
TD小型企業理財服務
1 此賬戶至其他TD支票或儲蓄賬戶的轉賬或預先授權轉賬服務免收交易手續費，而支票轉賬或Interac e-Transfer®電子轉賬作為扣賬交易處理，須收取交易手續費。
2 如要了解有關交易的更多資訊以及賬戶費用完整清單，請點擊此處查閱賬戶及其他相關服務費用。如要獲取有關一般服務的資訊，請查看我們的一般服務列表。
3 $5月費適用於下列TD支票賬戶：TD最低限額支票賬戶、TD日常理財支票賬戶、TD無限交易支票賬戶和TD全面理財服務計劃。
除非另有說明，利率、費用和功能自2025年4月30日起生效，並可能隨時會變動。
4 Aeroplan計劃屬於加拿大航空旗下Aeroplan Inc.營運的忠誠積分獎勵和認可計劃。請瀏覽加拿大航空網站，了解Aeroplan計劃完整條款與條件。
以目前情況為主，截至2024年9月30日，多數Aeroplan持卡人在兌換航班時可獲享價值$0.02}／積分或以上的獎勵。兌換基於持卡人在2020年11月8日至2024年9月30日期間的實際航班兌換計算得出。
Aeroplan積分沒有現金價值，但可以根據Aeroplan計劃兌換航班機票和其他獎勵。 The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/.Aeroplan積分只能根據Aeroplan計劃的一般條款及細則進行兌換。Aeroplan計劃的完整條款及細則請見：https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html。所有優惠都取決於滿足優惠條款及細則中列出的標準。
即使TD批核您的賬戶申請，根據優惠授予和發放的任何Aeroplan積分仍需遵守Aeroplan計劃的一般條款與條件（詳見aircanada.com/Aeroplan-termsandconditions）。該條款規定，為鼓勵申請Aeroplan信用卡、激活、使用或持有新Aeroplan信用卡而提供的獎勵或額外Aeroplan積分（例如本優惠中提及的迎新獎勵、額外獎勵和週年獎勵）可能不會發放，且在特定情況下可能被撤銷，包括但不限於，您此前在道明或與該賬戶屬同一卡類類型的其他發卡機構開設、啟用、使用或持有新的Aeroplan信用卡賬戶時，已獲得迎新獎勵或其他獎勵Aeroplan積分。
5 主要持卡人承擔賬戶所有費用，包括任何附屬卡用戶產生的費用。
僅限魁北克省：
- 年費：在您首次使用信用卡後的第一份銀行賬戶結單中收取，並在之後每年的同一月份收取。
- 賬單週期/賬戶結單結算期：可從一個月內的任何日曆日開始，長度不固定，但一般約為一個月。
- 寬限期：如果您在還款到期日之前全額支付當前銀行賬戶結單上的結餘，則您可以享受至少21天的免息寬限期。信用卡提現（包括餘額轉賬、類似現金交易和TD Visa支票）無免息寬限期。
- 最低還款額：最低還款額以新結餘的5%或$10兩者中較高者為准，外加任何當前逾期總額和超過您信用額度的金額。如果新結餘低於$10，最低還款額便等於新結餘。
- 利息費用實例
30天賬單週期的利息費用實例 |
||||
年利率 |
平均每日結餘 |
|||
$100 |
$200 |
$1,000 |
||
購物簽賬 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
信用卡提現 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
簽賬購物 - 預設利率 |
26.99% |
$2.22 |
$4.44 |
$22.18 |
信用卡提現 - 預設利率 |
27.99% |
$2.30 |
$4.60 |
$23.01 |
6 主要持卡人或附屬卡用戶和同次預訂中的多達八（8）名其他旅客（最多九（9）名旅客）均可免費托運首件行李（限重23kg/50lbs）。只有在加航辦理由加航、加航Rouge或加航Express品牌運營的航班的登機手續時可享受此禮遇。如果在其他航空公司辦理登機手續，則無法享受此禮遇。如果已免費托運首件行李（例如，由於Aeroplan Elite會員身份或購買的機票），則將無法享受免費托運其他行李的禮遇。免費托運首件行李禮遇可能無法回溯，並且不會退款。額外/超大/超重的行李可能加收服務費。 有關行李限制的更多資料。
7 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS program membership application fee (new and renewal), whether or not the applicant is approved for membership in the NEXUS program (each, a "NEXUS Statement Credit").任何48個月度期間內，當一筆有效的NEXUS計劃會員申請費計入賬戶時，最多可獲四(4)筆NEXUS賬單抵扣額，而可獲享的NEXUS賬單抵扣額次數會與有效NEXUS計劃會員申請費計入賬戶時賬戶中的持卡人數量相同。48個月的期限從第一筆有效NEXUS計劃會員申請費用計入賬戶時起計。徵收NEXUS計劃會員申請費並計入賬戶時，賬戶須保持良好信用記錄，才有資格獲享NEXUS賬單抵扣額。NEXUS是加拿大邊境服務局和美國海關和邊境保護局聯合提供的快速入境邊境管制計劃。 The terms of the NEXUS program are established by NEXUS.道明銀行及其附屬機構並不參與NEXUS計劃，因此不對此類計劃負責。
8 Earn 1% in Cash Back Dollars on Purchases you make on your TD Cash Back Visa Card ("Account") at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments").以下消費類別的現金回贈獎金獎勵率僅適用於相應類別年消費額的前$5,000部分 (「年度上限」)：(i) 超市消費、(ii) 汽油和電動汽車充電消費、(iii) 公共交通消費，以及 (iv) 週期性賬單付款和串流平台、電子遊戲和媒體消費。如果您某一年在上述 (i) 至 (iv) 類別中某一類別的總消費額超過了年度上限，則將在該年剩餘時間按照該類別消費的基礎獎勵率賺取獎金。如果您對適用於某項簽賬的MCC有任何疑問，請致電1-877-233-5844聯絡TD。
9 使用您的TD現金回贈Visa卡 (即賬戶) 進行不屬於TD現金回贈計劃條款與條件中規定的任何其他簽賬類別 (即其他簽賬) 的所有其他簽賬，可賺取0.5%現金回贈獎金 (即基礎獎勵率)。
10 任何退貨、退款、回贈或其他類似退賬，將扣減或取消原消費所賺取的現金回贈獎金。費用、信用卡提現 (包括餘額轉賬和類似現金交易)、利息收費、可選服務、退款、回贈或其他類似退賬，均不可賺取現金回贈獎金。如需了解更多詳情，請瀏覽td.com/agreements，查看TD現金回贈計劃條款與條件。其他條件：優惠可能隨時變更、撤銷或延長，且不能與任何其他優惠同享。在發放現金回贈獎金的日期，賬戶必須保持開通且信用良好，才有資格獲得獎金。
11 賬戶必須保持開通且信用良好，才能賺取和兌換現金回贈獎金。除非另有說明，否則任何時間兌換現金回贈獎金的最低金額均為$25起。在提供兌換指示前，現金回贈獎金將持續累積。 For more details on how to redeem Cash Back Dollars, please see the "TD Cash Back Program Terms and Conditions" available at td.com/agreements.
Interac e-Transfer®是Interac Corp.的註冊商標。在牌照許可下使用
TD New to Bank Offer (Terms and Conditions)
計入高達$700的現金獎勵
§ Up to $700 in value is calculated as follows: Offer 1) $450 cash + Offer 2) $50 cash + Offer 3) $200 cash based on $10,000 new deposit balance = $700 total cash value.
Offer 1) Earn $450 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by November 5, 2025, and complete the qualifying criteria in accordance with Offer 1 below.
Offer 2) Earn $50 in cash by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth™ Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 2 below.
Offer 3) Earn $200 in cash based on a $10,000 new savings deposit balance, by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and complete the qualifying criteria in accordance with Offer 3 below.
除非另有說明，否則所有金額均為加元。其他條款可能適用。
Offer 1: Chequing Account $450 Cash
† The $450 cash offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory. To earn $450 in cash, you must:
- Open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025.
- 通過新支票賬戶完成下列任何兩項操作：
- Set up a recurring Direct Deposit from an employer, pension provider or government with the first deposit posted to the New Chequing Account before January 9, 2026. 直接存款的頻率必須為每週一次、每兩週一次、每月一次或每月兩次。所設立的週期性直接存款是否適用於本優惠，須經我們批准。
- Make an Online Bill Payment through TD EasyWeb or the TD app (minimum $50) before January 9, 2026.
- Set up a recurring Pre-Authorized Debit (minimum $50) with the first Pre-Authorized Debit posted to the New Chequing Account before January 9, 2026. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
以下人士不符合獲取$450現金優惠資格：
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- 2023、2024、2025年享受過任何TD支票賬戶優惠的客戶；或
- TD員工或與TD員工開設聯名賬戶的任何客戶。
For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
每個新支票賬戶限獲一次$450現金優惠。每名客戶限獲一次$450現金優惠。
The $450 cash will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account is still open, in good standing, and all conditions continue to be met at the time of fulfillment. The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, before the $450 cash is deposited into the New Chequing Account.
We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: Savings Account $50 Cash
◊ The $50 cash offer is available to Canadian residents that are of the age of majority at time of account opening in their province or territory. To earn $50 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- (b) Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Complete one of the following with the New Savings Account or TFSA HISA:
- Set up a pre-authorized transfer service with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
- Set up Simply Save with the first transaction processed within 30 days of the New Savings Account or TFSA HISA opening.
以下人士不符合獲取$50現金優惠資格：
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TD Canada Trust Tax-Free Savings Account , TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD員工或與TD員工開設聯名賬戶的任何客戶。
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $50 cash offer per New Savings Account or TFSA HISA.每名客戶限獲一次$50現金優惠。
The $50 cash offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continue to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the $50 cash offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the $50 cash offer will be deposited into the TFSA HISA.
我們可以隨時變更、延長或取消此現金獎勵。
如要了解有關交易的資訊以及賬戶費用的完整列表，請參閱關於我們的賬戶和相關服務。
Offer 3: Savings Deposit Offer
∞ The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory. To earn between $200 to $2,400 in cash, you must:
- Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025 to November 5, 2025, and
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (each a "New Savings Account"), or a High Interest TFSA Savings Account (“TFSA HISA”) within a TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account or TFSA HISA from another financial institution(s) within 30 days, in the case of a New Savings Account opening, or within 60 days in the case of a TFSA HISA opening, and maintain the balance for 120 days (the "Qualifying Deposit"), subject to the following:
- If a customer withdraws or transfers any part of the Qualifying Deposit during the 120-day period, the amount of the Qualifying Deposit will be reduced accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer.
- If a customer opens both a New Savings Account and TFSA HISA, or multiple New Savings Accounts and/or multiple TFSA HISAs, within 30 days of the New Chequing Account opening, the Qualifying Deposits in the New Savings Account(s) and/or TFSA HISA(s) cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account or TFSA HISA with the greatest Qualifying Deposit.
- If any part of the Qualifying Deposit is being transferred directly from another financial institution(s), all funds must be received from the other financial institution(s) by TD and deposited into the account within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA.
- For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit.
The following are not eligible for the Savings Deposit Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024;
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding Tax-Free Savings Account as of May 28, 2025;
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account, or TD Multi-Holding tax Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD員工或與TD員工開設聯名賬戶的任何客戶。
At the end of the 120-day period, the amount of the Savings Deposit Offer (maximum $2,400) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:
Qualifying Deposit |
現金優惠 |
$10,000.00至$24,999.99 |
$200.00 |
$25,000.00至$49,999.99 |
$300.00 |
$50,000.00至$99,999.99 |
$600.00 |
$100,000.00至$199,999.99 |
$1,200.00 |
$200,000.00+ |
$2,400.00 |
Limit of one Savings Deposit Offer per eligible account. Limit of one Savings Deposit Offer per customer. The Savings Deposit Offer is limited to a maximum of $2,400.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Savings Deposit Offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continuing to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the Savings Deposit Offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the Savings Deposit Offer will be deposited into the TFSA HISA.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their new TFSA HISA exceeds their contribution limits under the applicable tax legislation.
We can change, extend, or withdraw this offer at any time.
若要了解有關交易的資訊以及賬戶費用完整清單，請參閱關於我們的賬戶和相關服務。
TD® Aeroplan® Visa*無限卡
信用卡費用
|
服務 |
費用 |
|---|---|
|
年費 |
$139 |
|
利率：購物簽賬 |
21.99% |
|
利率：信用卡提現 |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
附屬卡5 |
$75 |
，為您的新支票賬戶新增透支保障時可享。
TD日常儲蓄賬戶詳情
賬戶費用
|
服務 |
費用 |
|---|---|
|
月費 |
$0 |
|
每月已含交易1 |
1 |
|
額外交易1 |
每次$3.00 |
|
免費轉賬至您的其他TD賬戶2 |
無限次數 |
|
非TD ATM手續費（加拿大）3 |
每次$2.00 |
|
境外ATM手續費（美國及墨西哥） 3 |
每次$3.00 |
|
境外ATM手續費（在任何其他國家）3 |
每次$5.00 |
|
紙質賬戶結單 |
每月$2.00 |
1 此賬戶至其他TD支票或儲蓄賬戶的轉賬或預先授權轉賬服務免收交易手續費，而支票轉賬或Interac e-Transfer®電子轉賬作為扣賬交易處理，須收取交易手續費。
2 如要了解有關交易的更多資訊以及賬戶費用完整列表，請按此處查閱賬戶及其他相關服務費用。如要獲取有關一般服務的資訊，請查看我們的一般服務列表。
3 $5月費適用於下列TD支票賬戶：TD最低限額支票賬戶、TD日常理財支票賬戶、TD無限交易支票賬戶和TD全面理財服務計劃。
Interac e-Transfer®電子轉賬是Interac Corp.的註冊商標。在牌照許可下使用。
TD現金回贈Visa*卡
信用卡費用
|
服務 |
費用 |
|---|---|
|
年費 |
$0 |
|
利率：購物簽賬 |
21.99% |
|
利率：信用卡提現 |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
附屬卡5 |
$0 |