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TD小型企業理財服務
1 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"). The Cash Back Dollar earn rate for the following purchase categories: (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases is only available on the first $5,000 in annual Purchases in that category ("Annual Cap"). If your total Purchases in one of these categories (i) through (iv) exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in that category for the remainder of the year. If you have any questions about the MCC that applies to a Purchase, contact TD at 1-877-233-5844.
2 2024年2月15日由《Globe and Mail》的Rob Carrick評為最佳電子經紀商
3 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. 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。 The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.
優惠可能隨時變更、撤銷或延長；除另有規定外，不能與任何其他優惠同享。所有優惠都取決於滿足相應優惠條款和細則中列出的標準。
$535 TD海外留學生理財服務組合價值計算
◊The up to $535 value is based on the combined total value of:
- $125 Cash Offer when you start by opening a new TD Student Chequing Account ∑ AND
Complete any two of the following with your new TD Student Chequing Account before January 31, 2026
1. 設定僱主或政府的週期性直接存款。
2. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50∑, ∏
3. Make an online purchase using your TD Access Card with Visa* Debit.
4. 在合資格的TD儲蓄賬戶中開通預先授權轉賬服務或易儲蓄服務
- Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by November 5, 2025.Δ Conditions apply.Δ^ Eligible for students only.
- □Eligible students can earn up to $250 in value□ in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. Earn a cash reward of $50, up to 10 commission-free trades ($9.99 per trade), and quarterly maintenance fees rebated ($25 per quarter) for the first year. 此外，後續交易還可享受50%的傭金回贈，直至學生26歲為止。
- Ω $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)
TD學生支票賬戶優惠
∑ 就讀加拿大或其他地區經認證的正規大專院校、身為加拿大居民、目前未開設TD支票賬戶且在開設賬戶時達到居住省份或地區法定成人年齡的高等院校全日制學生可獲得此$125現金優惠。我們保留限制任何個人開立賬戶數量和獲得現金優惠數量的權利。現金獎勵存入賬戶時，您的賬戶必須保持開通、活躍且信用良好。現金獎勵將在滿足條件後的12週內發放。
∏ 在2025年5月1日至2025年11月5日期間開設新的TD學生支票賬戶 (「新賬戶」)，並在2026年1月31日前使用新的TD學生支票賬戶完成以下任意兩項：i)設定來自僱主或政府的週期性直接存款，首次存款需在2026年1月31日前存入新的TD學生支票賬戶。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。 Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval. (ii) Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by January 31, 2026; (iii) Make an online purchase using your TD Access Card with Visa*Debit by January 31, 2026.可能收取常規交易費用，詳情請查看關於我們的賬戶及相關服務；(iv) 在2026年1月31日前，設定從新的TD學生支票賬戶至TD日常儲蓄賬戶或TD電子通儲蓄賬戶的週期性預先授權轉賬或易儲蓄服務。週期性預先授權轉賬可以是每日、每週、每兩週或每月一次。易儲蓄可以每日、每週或每兩週一次存入$0.50至$5.00的不等金額；
如要了解有關交易的更多資訊以及賬戶費用和透支保障服務費用的完整清單，請參閱關於我們的賬戶和相關服務。
以下客戶不可獲享$125現金優惠：
I. Customers who already have a TD Chequing account that was closed on or after May 1, 2024; or
II. Individuals who received any chequing account offer from TD from 2023 to 2025; or
III. TD員工或持有TD員工聯名賬戶的客戶。
對於屬於聯名賬戶的任何新的TD學生支票賬戶，新的TD學生支票賬戶的至少一名賬戶持有人必須達到資格要求。每名客戶及每個新的TD學生支票賬戶限獲一次$125的現金優惠。滿足所有條件後，$125現金獎勵將在12週內存入新的TD學生賬戶，前提是新的TD學生支票賬戶必須仍然保持開通、信用良好且依然滿足所有條件。我們可以隨時更改、延長或取消$125現金優惠。此項優惠不能與同一樣產品的其他優惠或折扣同時使用。除非另有說明，否則所有金額均為加元。其他條款可能適用。
TD現金回贈Visa*卡學生專享優惠
Δ Annual interest rates, fees and features are current as of April 30, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on May 1, 2025 and ends November 5, 2025 (the "Offer Period") and is only available to those student Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by November 5, 2025. You may qualify to earn up to a total value of $100 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $100 in Cash Back Dollars when you spend $1,200+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
在優惠期間以及現金回贈獎金入賬時，請確保您的賬戶保持開通、活躍，且信用良好。 To earn $100 Cash Back Dollars to the TD Cash Back Visa* Card, you must make $1200 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
優惠可能隨時變更、撤銷（魁北克除外）或延長，除非另有規定，否則不能與任何其他優惠同享。 Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account.此優惠不適用於以下客戶：(1) 在優惠期間前已激活TD現金回贈Visa*信用卡賬戶的客戶，(2) 將其現有的TD信用卡轉為TD現金回贈Visa*信用卡賬戶的客戶，或(3) 在過去12個月內註銷過任何TD信用卡的客戶。
我們保留對任何人開設賬戶的數目以及向其發放現金回贈獎金的次數實施限制的權利。關閉賬戶或轉至其他TD信用卡可能會導致尚未發放的現金回贈獎金作廢。
This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card.
請參閱您的披露聲明和持卡人協議，以獲取有關年利率的更多詳細資訊，包括我們如何收取利息以及如何為簽賬還款。
僅限魁北克省
主要持卡人仍要承擔賬戶的所有費用，包括任何附屬卡用戶產生的費用。賬戶最多可新增3張附屬卡。
(i) 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。
(ii) 賬單週期/賬戶結單期間：可從月內的任何一個日曆天開始，長度不固定，但一般約為一個月。
(iii) 寬限期：如果您在還款到期日之前全額支付當前賬戶結單上的欠款，您可以享受至少21天的免息寬限期。信用卡提現（包括結餘轉賬、類似現金交易和TD Visa支票）無免息寬限期。
(iv) 最低還款額：最低還款額以新結餘的5%或$10兩者中較高者為準，外加所有逾期欠款金額和任何超過您信用限額的金額。如果新結餘低於$10，最低還款額便等於新結餘。
(v) 利息費用範例。
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 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
道明自管投資賬戶學生專享優惠
□ Eligible students can earn up to $250 in value□ in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. 第一年可賺取$50現金獎勵，享受多達10筆免佣金交易 (每筆交易$9.99) 和季度 維護費用回贈 (每季度$25)。此外，後續交易還可享受50%的傭金回贈，直至學生26歲為止。 Both full share trades and partial share trades are included in the rebated trades offer.任何合資格的道明自管投資新客戶如為加拿大居民，且在2025年5月1日達到所在省份或地區法定成年年齡，即可享有優惠。此優惠適用於所有在申請時年齡為25歲或以下的合資格學生。 This offer begins on May 1, 2025, and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility□.
如要獲得現金、交易或季度維護費獎勵，客戶必須：
1. 在開設新的道明自管投資賬戶（「新賬戶」）時，必須是新的或現有TD學生支票賬戶持有人。此優惠適用於所有在申請時年齡為25歲或以下的客戶。
2. Open a New TD Direct Investing account ("New Account") by November 5, 2025.此優惠適用於所有在申請時年齡為25歲或以下的客戶。
3. 新賬戶不得是TD簡易交易賬戶。 The account type opened must be a single account holder: Cash, Tax Free Savings Account (TFSA), First Home Savings Account (FHSA), Margin, or Retirement Savings Account (RSP) account.鎖定註冊、非個人、聯名、註冊殘障儲蓄計劃、RIF和RDSP賬戶不可享受此優惠。
4. To qualify for the Cash reward, a client must transfer into the New Account $1,000 or more in investable assets or cash from another Canadian financial institution(s) or a TD Canada Trust account ("Qualifying Assets") by November 28, 2025, noting:
a.The Qualifying Assets must be in the New Account by no later than November 28, 2025.
b.Transfers originating from pre-existing TD Direct Investing, TD Easy Trade™, TD Wealth Financial Planning, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c.Qualifying assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
d. 有效資產將按照存入新賬戶的加元和美元計價資產的總額計算。任何美元結餘將換算為加元以確定是否符合優惠資格。
e.Where a client opens multiple New Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the New Accounts.
5. To qualify for commission trade rebates for full share trades and partial share trades, a client must place the first 10 commissionable trades in the New Account during the 12-month period starting from the date the New Account was opened to receive the full value rebate.在此期間，只有透過電子方式自助下單的交易才可享有回贈。請注意，在投資代表的協助下透過電話進行的交易不計入其中。收取佣金的加拿大和美國股票、ETF和/或期權交易可享有高達10筆佣金交易費用回贈。對於期權交易，將回贈劃一交易收費，但每份合約的佣金費用仍將適用。固定收入、互惠基金、在非美國或加拿大市場進行的交易以及新發行的股票不在此促銷優惠範圍內。
6. 在首10筆傭金交易後，或自道明自管投資賬戶開戶日起12個月後將回贈後續傭金交易費用的50%。折讓僅適用於透過電子方式完成的自助交易。回贈將在客戶年滿26歲時失效。
7. 如果賬戶收取維護費用，這些費用將在賬戶開戶後的前12個月按季度回贈至賬戶中。
8. 如果客戶在開戶後前12個月內達26歲，則回贈促銷將繼續生效至前12個月期滿為止。
9. 如要持續享有道明自管投資賬戶的所有折扣，客戶必須擁有一個信用良好的TD學生支票賬戶，並確保年齡在25歲及以下。
10. 如果客戶在開戶12個月後達到26歲，則賬戶將不再享有任何促銷優惠和回贈。
11. 如要享受所有合資格的回贈，請確保TD學生支票賬戶信用良好。
需要註冊協助或申請此優惠的客戶請撥打1-800-465-5463聯絡投資代表，或親臨道明加拿大信託分行尋求協助。
Further Terms and Conditions
- Clients must maintain a minimum of $1,000 in the New Account until December 30, 2025, following the transfer(s) of the Qualifying Assets (the "Qualification Period").若在資格期間提取、撤銷或轉移資產，造成客戶有效資產的金額低於$1,000，則將不提供獎勵。 The value of Qualifying Assets will not be reduced if market value drops below threshold due to market events.;
- 允許孖展(保證金)扣賬結餘，並且不會從所持有資產的價值中扣除。如要獲得佣金回贈，參與者必須在開戶後的1年內保持道明自管投資新賬戶的信用良好。良好記錄是指新賬戶不能有借貸結餘或追繳保證金通知的情況。保證金(孖展)賬戶可存在借貸結餘。
- 如要獲得現金獎勵、佣金回贈和交易費用折扣，參與者必須確保其道明自管投資新賬戶保持信用良好。良好記錄是指新賬戶不能有借貸結餘或追繳保證金通知的情況。保證金(孖展)賬戶可存在借貸結餘。為確認享受學生理財組合的資格，道明自管投資賬戶必須關連道明銀行（道明加拿大信託）零售銀行部門的個人檔案。您可以隨時聯絡道明自管投資以變更關連。
- 道明銀行集團的員工不符合優惠資格。
- 優惠、回贈和折讓可能隨時變更、延長或取消，恕不另行通知。
- 此優惠不得與任何其他道明自管投資的優惠合併使用。
- 此優惠不得轉讓給其他客戶，如果客戶加入現有家庭賬戶，則此優惠不能轉讓給該家庭賬戶的任何現有賬戶。
- 佣金回贈可能產生相關稅金。客戶應諮詢其個人稅務顧問以了解詳情。對於註冊計劃，佣金回贈將直接發放到計劃賬戶，不會被視為供款。
- 最多可回贈10筆交易佣金（最高$9.99），隨後的佣金交易費用將獲得50%的折扣返還。只有透過電子方式完成的自助交易才符合資格條件。請查閱我們網站的費用與定價資訊。
- 若以加幣交易，佣金回贈上限為每次交易$9.99加幣。以美元支付的交易佣金將以美元回贈，回贈上限為每次交易$9.99美元。
- 傭金費用將根據賬戶開戶日期，按照先進先出的原則，回贈給被收取傭金的新開賬戶。
- Terms of Award Payment: The cash award will be paid in CAD to the eligible client account by January 16, 2026.如果客戶將有效資產轉入一個賬戶，則現金獎勵將存入該賬戶。如果客戶的有效資產轉入多個賬戶，則現金獎勵將根據轉入每個賬戶的有效資產比例進行分配，然後分別存入各個賬戶。
- Terms of trading fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to your Account by November 5, 2025, and then rebate eligible commissionable trades to your New Account by every last business day of the month (starting November 28, 2025) for commissionable trades placed in the previous month.若當月最後一天是節假日，佣金回贈將在其後的2個工作天內進行。
- 維護費回贈條款：如果季度維護費已在賬戶中扣除，則將按季度回贈至賬戶中。
TD學生支票賬戶的TD月度計劃透支保障服務優惠
Ω為TD學生支票賬戶開立TD月度計劃透支保障服務，無需支付月費，可在12個月內為您節省$60 (月度計劃透支保障的常規月費為$5)
如需了解有關交易的更多資訊以及賬戶費用和透支保障服務費用的完整列表，請參閱關於我們的賬戶和相關服務。
道明自管投資是道明銀行附屬機構道明宏達理財加拿大有限公司（TD Waterhouse Canada Inc.）的部門。
TD簡易交易是道明銀行子公司道明宏達理財加拿大有限公司下屬部門道明自管投資提供的一項服務。
道明銀行集團 ( TD Bank Group) 是指道明銀行及旗下提供存款、投資、貸款、證券、信託、保險和其他產品或服務的相關公司。
®TD標誌和其他TD商標為道明銀行或其子公司的產權。
Visa*是Visa International Service Association的註冊商標，經許可使用。
Interac® e-Transfer為Interac Corp的註冊商標。經許可使用。
所提供的文件必須經由學校核發，並且註明學生姓名、大學或專科校名、學系名稱，及就讀年級。例如：有學校信箋並且經過校方簽名或蓋印的信函，或學費賬單影本。
如何獲享此優惠：
- 符合條件的學生在開設新的道明自管投資賬戶後的第一年可獲得價值高達$250的優惠□，且在之後可繼續享受多項福利。
- 第一年可賺取$50現金獎勵，享受多達10筆免佣金交易 (每筆交易$9.99) 和季度 維護費用回贈 (每季度$25)。
- 此外，後續交易還可享受50%的傭金回贈，直至學生26歲為止。
- 任何合資格的道明自管投資新客戶如為加拿大居民，且在2025年5月1日達到所在省份或地區法定成年年齡，即可享有優惠。此優惠適用於所有在申請時年齡為25歲或以下的合資格學生。
- This offer begins on May 1, 2025, and ends on November 5, 2025.請參閱以下完整的條款及條件以了解資格要求□
合資格的賬戶類型包括：
- 现金 (個人)
- 保證金 (個人)
- 免稅儲蓄賬戶 (TFSA)
- First Home Savings Account (FHSA),
- - 退休儲蓄計劃 (RSP)
- 國際留學生僅可開設現金賬戶 (個人)
RSP and TFSA refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account.
FHSA refers to the TD Waterhouse Self-Directed First Home Savings Account.
A client must be a new or existing TD Student Chequing account holder at time of opening a New TD Direct Investing account ("New Account") to qualify for the TD Direct Investing Account Student Offer
請參閱完整條款和條件以了解資格要求□
如何獲享此優惠：
- Open a new TD Cash Back Visa* Card by November 5, 2025, and keep your Account open, active and in Good Standing until the offer is fulfilled. 相關條款適用 Δ
- Earn $10 in Cash Back Dollars on your first $10 purchase in the first 3 months or earn $100 in Cash Back Dollars when you spend $1,200+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply^ , Δ