Account Related Information and Administration Fees
Cheque/Payment Services
Travellers Cheques
Account Maintenance
Searches/Notices
Overdraft Protection
Currency
Foreign/International Wire Transfers and Services
Collection Items
Drafts
Safety Deposit Boxes
Retirement Savings Plan (RSP)
Interac Email Money Transfer
Our Hold Funds Policy
CHEQUE/PAYMENT SERVICES
| Cheque Certification† |
|
$10.00 |
|
$15.00 |
NSF items†
(cheques, pre-authorized payments,
bill payments, TD Canada Trust
loan payments, etc.) |
|
$42.50 |
|
$5.00
plus overdraft interest charges |
| EasyWeb View Cheque Service†,1,2 |
$1.50 per image |
| Cheque Copy processed within past 90 days2 |
Free |
| processed more than 90 days ago†,2 |
$15 per copy |
Stop Payment†
(cheque or pre-authorized payment) |
|
$12.50 |
|
$17.50 |
| Writing a cheque on a non-chequing account |
Free |
| Writing a foreign currency cheque on a Canadian or U.S account† |
$20.00 |
| Using a non MICR-encoded cheque |
Free |
TRAVELLERS CHEQUES
| Purchase Travellers Cheques |
|
1% commission |
|
1.75% commission |
| Cashing Travellers Cheques for non customers: |
- American Express travellers
cheques
|
Free |
- Any other travellers cheques
|
$3.00 |
ACCOUNT MAINTENANCE
| Paperless Record Keeping |
Free |
| Interim Statements |
|
$1.00 |
|
Free |
| Passbook update |
Free |
| Account enquiry |
Free |
| Transfer of funds (via phone call to branch or mail/fax) |
Free |
| Duplicate Statement |
$2.00 |
| Certificate of Balance/Audit Confirmation |
$10.00 |
| Close account within 90 days† |
$15.00
(no charge if transferred to another TD Canada Trust account) |
| Account Balance transferred to another Financial Institution |
$15.00 |
SEARCHES/NOTICES†
| Search and photocopy an item |
- Processed within past
90 days
|
$5.00 per item |
- Processed more than
90 days ago
|
$15.00 per item |
| Detailed recap of account transactions |
$15.00/hr |
| Dormant, inactive and unclaimed account fees |
|
$20.00
(no charge if acknowledged within 60 days) |
|
$30.00 |
|
$35.00 |
| Detailed Bill Payment Investigation |
$15.00/hr |
OVERDRAFT PROTECTION†
Note: Our standard rate of interest
for overdrafts not covered by
Overdraft Protection is 21% per
annum, plus a $5.00 Presentment
Fee for each overdraft transaction. |
Monthly Option:
Overdraft Protection is available on Chequing and U.S. Dollar Accounts,
subject to credit approval, up to your approved overdraft limit.
|
$3.00 per month
(for all or part of the month, plus overdraft interest charge) |
Pay-As-You-Go Option:
Available on all chequing accounts with the exception of U.S. Dollar Accounts and
Private Banking Accounts, subject to credit approval, up to your approved overdraft limit.
|
A flat fee of $5.00 per transaction to a maximum of $5.00 per
day will be charged if the end-of-day account balance is negative and an eligible
transaction occurs within the approved overdraft protection limit. |
CURRENCY
| Foreign currency sale/purchase |
- Per transaction
(U.S. $ exempt)
|
$5.00 |
FOREIGN/INTERNATIONAL WIRE TRANSFERS AND SERVICES
Outgoing Money Wire Transfers
Canadian, U.S. (fee in same currency)
Foreign (fee in Canadian equivalent) |
|
$30.00 |
|
$50.00 |
|
$80.00
(Foreign Bank charges may apply) |
- To TD Canada Trust branches
|
$16.00 |
| Incoming Money Wire Transfers |
|
$10.00 |
|
$10.00 (U.S.) |
Wire Investigation fee for
non-Bank error |
$40.00/hour
($25.00 minimum charge) |
| Redemption of coupons/ bonds |
|
$7.50 |
- Foreign (will be sent on
collection)
|
$15.00 |
| Returned Foreign Deposit |
$15.00 |
COLLECTION ITEMS
| Canadian dollar or U.S dollar cheque sent for re-presentment within Canada |
$30.00
(other Bank charges may apply) |
Outgoing Cheque Collection†
- Canadian dollar, U.S dollar or Foreign currency cheque payable outside of Canada |
0.20% of cheque amount
Min $30.00/
Max $150.00
(other Bank charges and out-of-pocket expenses may apply) |
DRAFTS* ø ¤
| Any Canadian, U.S., Foreign/International Draft |
$7.50 |
| Request for refund or replacement of lost or stolen draft |
$10.00 |
SAFETY DEPOSIT BOXES
| Size* |
Price** |
- Small (1.0 – 9.0 sq. inches)
|
$42.50 |
- Medium (9.1 – 17.5 sq. inches)
|
$60.00 |
- Large (17.6 – 27.0 sq. inches)
|
$90.00 |
- X-Large/Super Large
(27.1 sq. inches and greater)
|
$3.00/sq inch |
| Annual Billing Fee notice |
$5.00 |
| Late payment fee |
$5.00 |
RETIREMENT SAVINGS PLAN (RSP)
| There are no set-up fees or annual fees for TD Canada Trust RSPs |
| Transfer/Withdrawal Fee |
- For Plans open
180 days or less
|
$100.00
per transfer/withdrawal |
- For Plans open
more than 180 days
|
$50.00
per transfer/withdrawal |
Interac EMAIL MONEY TRANSFER
| Send an Interac Email Money Transfer |
$1.50 per transfer |
| Receive an Interac Email Money Transfer |
Free |
OUR HOLD FUNDS POLICY
When you deposit a cheque to your personal deposit account, either at a branch or through the Green Machine, you may not be able to access the full amount of the funds from that deposit immediately, if that deposit is subject to a "hold". Your access to those funds, or a portion of them, will be restricted. You will not be able to withdraw money from those funds being held, and we will not pay any of your cheques or pre-authorized debits from those funds until the end of the hold period.
Hold funds decisions will be different for each customer. We will take into account factors such as the length of time you have dealt with TD Canada Trust and the amount of funds already in your account. The decision will also vary depending on the institution on which the cheque has been drawn, as well as the amount and the issuer of the cheque.
When you enroll in a direct deposit program, no hold is placed on the money deposited because it is credited directly to your account.
Deposits subject to a hold will be held for the following number of business days:
| |
Minimum |
Maximum |
| Cheques drawn on TD Canada Trust |
3 |
6 |
| Cheques drawn on another Canadian financial institution |
5 |
7 |
| Unknown or unencoded cheques |
7 |
14 |
| Cheques drawn on a U.S. institution* |
15 |
30 |
| Cheques drawn on other foreign financial institutions* |
22 |
40 |
|
