Making a cash withdrawal at a non-TD ATM
In addition to our fees below, most ATM providers charge a fee to use their ATM - the fee is added to the
amount you withdraw each time you take money out of your account.
Fees
At non-TD ATMs within Canada:
If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Wealth Private Banking
Account, or if you have $25,000 or more in your TD High Interest Savings Account at the end of each day in
the month:
$2.00
No service fees
At non-TD ATMs in USA or Mexico:
At non-TD ATMs in any other foreign country:
If you have a TD All-Inclusive Banking Plan, or TD Wealth Private Banking Account:
In addition to the fees above, if you make a foreign currency withdrawal at an ATM outside Canada with your
TD Access Card, the amount of
· the foreign currency funds received at the ATM, and
· any fee charged by the ATM provider
is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the
transaction is posted to your account. The amount withdrawn from your account will include a fee equal to
3.5% of the amount of the foreign currency funds received at the ATM plus any fee charged by the ATM
provider after conversion to Canadian dollars.
For example:
For a US $10 cash withdrawal at an ATM in the United States, where the rate set by Visa International is 1.3
(US $1.00 costs CA $1.30):
Amount received at ATM = US $10
US ATM provider fee = US $2
Amount after conversion = US $12 x 1.3 = CA $15.60
Fee = CA $15.60 x 3.5% = CA $0.55
Total withdrawal amount = CA $15.60 + CA $0.55 = CA $16.15
If this withdrawal example occurred at a non-TD ATM in the United States, the $3 non-TD ATM fee described
above would also be withdrawn from your account.
$3.00
$5.00
No service fees
3.5%
of the Canadian dollar
amount after conversion
of the foreign currency
amount at the rate set by
Visa International
Overdraft protection service Fees
If you have Monthly Plan Overdraft Protection on a:
TD Every Day Chequing Account, TD Unlimited Chequing Account or
TD All-Inclusive Banking Plan
$5.00 a month
plus interest at 21% a year on the amount you're in overdraft
Plan 60 or Preferred Chequing Account $4.00 a month
plus interest at 21% a year on the amount you're in overdraft
TD Student Chequing Account, U.S. Daily Interest Chequing Account or
Borderless Plan
$0.00 a month
plus interest at 21% a year on the amount you're in overdraft
TD Minimum Chequing Account $5.00 a month
plus interest at 21% a year on the amount you're in overdraft
$0.00 a month
plus interest of 21% a year on the amount you're in overdraft, as
long as the monthly chequing account fee on the TD Minimum
Chequing Account is $0 because the account has a Seniors or
Registered Disability Savings Plan chequing account fee rebate
If you have Pay As You Go Overdraft Protection
Not available on Quebec accounts
$5.00 for each eligible overdraft transaction
(maximum of $5.00 a day regardless of number of overdraft
transactions)
plus interest at 21% a year on the amount you're in overdraft
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