TD All-Inclusive Banking Plan
Monthly fee
$31/mo (also referenced as $30.95)
$5,000
- Transactions: Unlimited Transactions
- Interac e-Transfers: Unlimited Interac e-Transfers
- ATM access: No TD or non-TD ATM fees in Canada or abroad
- Fee waiver
- $5,000
- Minimum balance
- $5,000 (to waive monthly fee)
Reviewed by the CreditCardGuru Editorial Team
At a glance
- Monthly fee
- $31/mo (also referenced as $30.95)
- Minimum balance
- $5,000 (to waive monthly fee)
- Transactions
- Unlimited Transactions
Account details
- Monthly fee
- $31/mo (also referenced as $30.95)
- Fee waiver
- $5,000
- Minimum balance
- $5,000 (to waive monthly fee)
- Transactions included
- Unlimited Transactions
- Interac e-Transfers
- Unlimited Interac e-Transfers
- E-statements
- Included
- ATM access
- No TD or non-TD ATM fees in Canada or abroad
- Other fees
- NSF fee: $4; Non-network ATM fee: included (no fees)
- Other benefits
- Annual rebate on certain TD credit cards; Small safety box included; Free TD Fraud Alerts; 50% more Stars at Starbucks
Welcome offer: Up to $750 total value: $500 cash plus up to $250 more by adding an eligible TD savings account and credit card (October 1, 2026).
Pros & cons
Pros
- Fee waived with $5,000 minimum balance
- Unlimited transactions
- Unlimited Interac e-Transfers
Cons
- Monthly fee of $30.95
Terms & conditions
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but TD can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on TD's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and TD's own criteria. Bonuses often exclude anyone who has held the account before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
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Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
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Cite this page
“TD All-Inclusive Banking Plan Review (2026)” — CreditCardGuru, https://creditcardguru.ca/banking/td-all-inclusive-banking-plan, updated August 19, 2026.