Reviewed by the CreditCardGuru Editorial Team
At a glance
- Monthly fee
- $18/mo (listed as $17.95 in terms)
- Minimum balance
- $4,000 (for fee waiver)
- Transactions
- Unlimited
Account details
- Monthly fee
- $18/mo (listed as $17.95 in terms)
- Fee waiver
- $4,000
- Minimum balance
- $4,000 (for fee waiver)
- Transactions included
- Unlimited
- Interac e-Transfers
- Unlimited Interac e-Transfers; Free Interac transfers
- E-statements
- Included
- ATM access
- No TD ATM fees in Canada
- Other fees
- NSF fee: $4
- Other benefits
- $5 discount on monthly fees for seniors (60 and over); 50% more Stars at Starbucks
Welcome offer: Get up to $750 in total value: $500 cash when you open a TD Unlimited Chequing Account (October 1, 2026).
Pros & cons
Pros
- Fee waiver with $4,000 balance
- Unlimited transactions
- Unlimited Interac e-Transfers
Cons
- Monthly fee of $17.95
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.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with TD. Trademarks belong to their respective owners.
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Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
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Cite this page
“TD Unlimited Chequing Account Review (2026)” — CreditCardGuru, https://creditcardguru.ca/banking/td-unlimited-chequing-account, updated August 19, 2026.