Student Bank Accounts, Solutions and Packages – TD Canada Trust (2023)

! The offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. All offers are contingent on satisfying the criteria outlined in the respective offer terms and conditions.

^ The up to $150 value is based on the combined total value of:

  • The Amazon.ca Gift Card ($100) for opening a new TD Student Chequing Account
  • 15,152 TD Rewards Points for opening a new TD Rewards Visa* Credit Card ($50+ on Amazon.ca with Amazon Shop with Points for TD when TD Rewards points are redeemed for eligible purchases on Amazon.ca)

+ One (1) TD Rewards Point is worth $0.0033 towards eligible purchases at Amazon.ca through the Amazon.ca Shop With Points for TD program (“SWP for TD”). Three (3) TD Rewards Points minimum redemption. These are highlights of the SWP for TD provided by Amazon.ca. To use your TD points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

§ The $100 in value Offer is available to full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, who are Canadian residents that do not have an existing TD chequing account, that are the age of majority at time of account opening in their province or territory of residence. Customers must provide a valid email to receive Amazon.ca gift cards. The gift card will be electronically issued and emailed to the student from UGO Mobile Solutions (a division of The Toronto-Dominion Bank), provided all conditions have been met. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Amazon.ca Gift Cards awarded by any one person. Your account must be open, active and in good standing at the time the Amazon.ca Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card.

Open a TD Student Chequing Account between November 1, 2022 and May 31, 2023(the “New Account”) and complete any three of the following with the New Account before August 31, 2023. (i) Set up a Recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Account by August 31, 2023. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval. (ii) Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 by August 31, 2023; (iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by August 31, 2023; (iv) Make an online purchase using your TD Access Card with Visa* Debit by August 31, 2023. Regular transaction fees may apply, see About Our Accounts and Related Services for more information; (v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Account to a TD Every Day Savings Account or TD ePremium Savings Account or TD High Interest Savings Account by August 31, 2023. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly or monthly. Simply Save can be daily, weekly or bi-weekly of any amount between $0.50 to $5.00; or (vi) Apply, be approved and add Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (Pay As you Go Overdraft Protection is not available for Quebec residents) to your New Account by August 31, 2023 . For any New Account that is a joint account, all account holders on the New Account must meet the Overdraft Protection eligibility requirements.

For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.

The following are not eligible for the $100 offer:

  1. Customers who already have a TD chequing account or had a TD chequing account that was closed on or after Nov 1, 2022; or
  2. Individuals who received any chequing account offer from TD in 2018, 2019, 2020, 2021,2022; or
  3. TD staff members or a joint account with a TD staff member.

For any New Account that is a joint account, at least one account holder on the New Account must meet the eligibility requirements. Limit of one $100 Amazon.ca gift card offer per customer, per New Account. The $100Amazon.ca Gift Card will be electronically issued and emailed to the student from UGO Mobile Solutions (a division of The Toronto-Dominion Bank), within 12 weeks after all conditions have been met, provided that the New Account is still open, in good standing, with all conditions continuing to be met. We can change, extend or withdraw the $100 Amazon.ca Gift Card offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

Participation in this Offer [requires opt-in and] can only be accessed in My TD Rewards through your TD EasyWeb Account and/or TD mobile app account. Receiving the 500 bonus Stars earned through this Offer is subject to completion of the following conditions by August 31, 2023:

(a) have, or open by following the instructions in My TD Rewards, a Starbucks Rewards account; and
(b) have linked, or link by following the instructions in My TD Rewards, a TD Rewards Visa Card, TD Cash Back Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Cash Back Visa Infinite Card, or TD Emerald Flex Rate Visa Card (each, an “Eligible TD Card”), to your Starbucks Rewards account.

This Offer and its terms are in addition to the standard terms for earning Starbucks Stars when using a linked Eligible TD Card as the payment method in the Starbucks app for eligible purchases made at participating Starbucks stores ("Standard Terms"). Please visit td.com/starbucksoffer for full Standard Terms. Bonus Stars earned under this Offer will be applied to your Starbucks Rewards account by the dates in the chart below based on when conditions set out above are completed, so long as your Starbucks Rewards account is open and active at the time the Stars bonus is applied. Stars accumulated in connection with the Starbucks Rewards loyalty program (including bonus Stars under this Offer) are promotional and have no cash value.


Date bonus Stars will be applied to your Starbucks Rewards account:If conditions are completed by:
December 23, 2022November 1 – November 30, 2022
January 20, 2023December 1- December 31, 2022
February 24, 2023January 1 – January 31, 2023
March 24, 2023February 1 – February 28, 2023
April 21, 2023March 1 – March 31, 2023
May 26, 2023April 1 – April 30, 2023
June 23, 2023May 1- May 31, 2023
July 21, 2023June 1 – June 30, 2023
August 25, 2023July 1 – July 31, 2023
September 22, 2023August 1 – August 31, 2023

This Offer may be changed, extended or withdrawn at any time without notice. If we provide notice, we will do it using electronic means. We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of this Offer, including any person whose overall client relationship with us is in our opinion not in good standing. Starbucks may also restrict, cancel or terminate any person or cardholder’s ability to participate in this Offer and such restriction, cancelation or termination may be with or without notice. This Offer is in addition to any other offers available for your Account. The Toronto-Dominion Bank is not responsible or liable for any aspect of the Starbucks Rewards program including any products or services supplied under the Starbucks Rewards program, or for any actions or omissions. Starbucks is not liable or responsible for My TD Rewards, the terms that govern the Eligible TD Cards (including the applicable reward program term and condition linked to the Eligible TD Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.

[By choosing to participate in this Offer and link an Eligible TD Card, you agree TD may disclose information about your transactions as well as TD and Starbucks Rewards to Starbucks Stars in order to administer the Offer. This includes information about your TD and Starbucks Rewards memberships and balances, the time and amount of a transaction, how a transaction was completed, and any rewards points you transfer. Any information you provide directly to TD or that TD obtains about you as a TD Bank customer or participant in the Offer will be governed by TD's Privacy Agreement. Any information you provide directly to Starbucks or that Starbucks obtains about you as a Starbucks customer or participant in the Offer will be governed by Starbucks’ Privacy Notice.]

New TD Rewards Visa* ("Account") must be approved by May 31, 2023 and Account must be in good standing at the time the Welcome Bonus Points are awarded. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.. Please allow 8 weeks after the conditions of the offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. This Offer is not available to customers who are approved for and activate a new TD Rewards Visa* account within 6 months of activating and/or closing a previous TD Rewards Visa* Account. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person.

INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:
The Promotional Interest Rate offer ("Promotional Rate") applies to new TD Rewards Visa* Card Accounts ("Account"). This offer is not available to customers who are approved for and activate a new TD Rewards Visa* account within 6 months of activating and/or closing a previous TD Rewards Visa* Account. After your Account is opened, the Promotional Rate of 9.99% applies to Purchases for the first 6 statement periods following the Account opening ("Promotional Rate Period"). The Promotional Rate does not apply to any Cash Advances. For Residents outside of Quebec: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to the Annual Interest Rate of 19.99% for the Account as stated in your Disclosure Statement on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 24.99%. For Quebec Residents only: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to the Annual Interest Rate of 20.99% for the Account as stated in your Disclosure Statement on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 25.99%. For all Accounts: If you close your Account prior to the end of the Promotional Rate Period, you will lose the Promotional Rate and the Annual Interest Rate as stated in your Disclosure Statement will apply to any unpaid balances until your balance is paid in full. If you transfer your Account to a different TD Credit Card during the Promotional Rate Period, the Promotional Rate will no longer apply to the TD Credit Card to which you are transferring. Other conditions apply, see your Cardholder Agreement and Disclosure Statement for information about Promotional Offers. Offer may be changed, extended or withdrawn at any time, without notice.

Annual interest rates, fees and features are current as of August 10, 2022 unless otherwise indicated and subject to change.

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

+ One (1) TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. Three (3) TD Rewards Points minimum redemption. These are highlights of the Amazon.ca Shop with Points program for TD points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

® Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

Interac® e-Transfer is a registered trademark of Interac Corp. Used under license.

Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Toronto-Dominion Bank is the issuer of the TD Rewards Visa credit card.

1 Conditions apply. Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card, and for the first Authorized User Card added for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for the second and subsequent Authorized User Cards added to the Account continues to apply. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 TD Wealth Financial Planning is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

3 Savings account bonus offer ("Bonus Offer") only applies to a TD Every Day Savings Account, a TD High Interest Savings Account or a TD ePremium Savings Account ("Savings Account"). The "Offer Period" is 6 months and starts within 10 business days after the date you accept the Bonus Offer. The bonus interest rate of 0.25% is in addition to the posted rate on the Savings Account, and will apply on any day during the Offer Period where the balance in the Savings Account at the end of that day is greater than the balance in the Savings Account at the end of the business day before the first day of the Offer Period. You can check with us to confirm when the Offer Period begins before making a deposit to the Savings Account. This offer is limited to 1 Savings Account per person and the type of Savings Account cannot change during the Offer Period. Bonus interest will be calculated separately and credited to the Savings Account at the end of the month. Regular posted interest rates will apply after the end of the Offer Period. All interest rates are per annum and are subject to change without notice. This Bonus Offer may be changed, extended or withdrawn at any time without notice and cannot be used in conjunction with another savings offer.

4 Visa Direct fee refund offer is only available with the opening of a New Chequing Account and is limited to (1) one account per person, and (2) one Visa Direct fee per month for the six months following the date the account was opened. The transfer fee will be debited from customer’s account and then credited to the same account in the same currency. The credit will be processed by the 15th day of the month following the date on which the eligible transfer occurred if the account has not been closed. Customer will not receive any other notification of the credit. TD may amend or cancel the offer at any time. No other applicable fees will be refunded. TD will rebate the most expensive Visa Direct fee that occurred in the applicable month. If customer is sending money in a currency other than that of the originating account, a foreign exchange conversion will occur. Customer will be advised of the rate used for the conversion prior to completing the transaction and TD may earn revenue on the conversion. Regular account transaction fees may also apply. Recipient's financial institution may charge a fee to process the transfer and this fee may be deducted from the transfer

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