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1 此账户至其他TD支票或储蓄账户的转账或预先授权转账服务免收交易手续费,而支票转账或Interac e-Transfer®电子转账作为借记交易处理,须收取交易手续费。
2 如要了解有关交易的更多信息以及账户费用完整列表,请点击此处查阅账户及其他相关服务费用。如要获取有关一般服务的信息,请查看我们的一般服务列表。
3 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
“合资格TD信用卡”包括:TD Aeroplan® Visa*无限卡、TD® Aeroplan® Visa*白金卡、TD至尊旅行Visa*无限卡、TD 旅行Visa*白金卡或TD现金返还Visa*无限卡。
“年费回赠”是指:
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
每个无限交易账户最多可享受一次年费回赠。这意味着:
If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
合资格TD信用卡获得年费回赠的条件:
年费将在收取年费当月账单日后的两个月内回赠。
在年费回赠发放之前关闭您的合资格TD信用卡或转至其他信用卡产品可能会导致失去年费回赠资格。
如果您不再符合年费回赠的资格条件,则会向TD信用卡账户收取年费,而不会提供年费回赠。如需了解年费金额和扣费时间,请查阅您合资格TD信用卡的披露声明。此年费回赠的条款可能随时更改、撤销或延长。
此年费回赠不得与适用于合资格TD信用卡的任何其他年费回赠同享。
除非另有说明,利率、费用和功能自2025年11月6日起生效,并可能随时变动。
4 Aeroplan计划是由加拿大航空下属部门Aeroplan Inc.运营的忠诚度积分奖励和表彰计划。访问加拿大航空网站,了解Aeroplan计划的完整条款与条件。
以当前情况为基础,截至2025年9月1日,多数Aeroplan持卡人在兑换航班时可获享价值$0.02/积分或以上的奖励。兑换计算基于持卡人在2020年11月8日至2025年9月1日期间的实际航班兑换计算。
Aeroplan积分没有现金价值,但可以根据Aeroplan计划兑换航班机票和其他奖励。使用Aeroplan积分所获得奖励的零售价值将取决于一系列因素,包括发放的奖励类型,详情请见https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/。Aeroplan积分只能根据Aeroplan计划的一般条款和条件进行兑换。Aeroplan计划的完整条款和条件请见:https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html。所有优惠都取决于满足优惠条款和条件中列出的标准。
即使TD批准您的账户申请,根据优惠授予和发放的任何Aeroplan积分仍需遵守Aeroplan计划的一般条款与条件 (详见aircanada.com/Aeroplan-termsandconditions)。该条款规定,为鼓励申请Aeroplan信用卡、激活、使用或持有新Aeroplan信用卡而提供的奖励或额外Aeroplan积分 (例如本优惠中提及的迎新奖励、额外奖励和周年奖励) 可能不会发放,且在特定情况下可能被撤销,包括但不限于,您此前已因开立、激活、使用或持有TD或其他发行机构的同类别Aeroplan信用卡账户而获得迎新或其他奖励Aeroplan积分的情况。
5 主要持卡人承担账户所有费用,包括任何附属卡用户产生的费用。
仅限魁北克省:
30天账单周期的利息费用实例 |
||||
年利率 |
平均每日余额 |
|||
$100 |
$200 |
$1,000 |
||
消费 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
信用卡提现 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
购物默认利率 |
26.99% |
$2.22 |
$4.44 |
$22.18 |
信用卡提现默认利率 |
27.99% |
$2.30 |
$4.60 |
$23.01 |
6 主要持卡人或附属卡用户和同次预订中的多达八(8)名其他旅客(最多九(9)名旅客)均可免费托运首件行李(限重23kg/50lbs)。只有在加航办理由加航、加航Rouge或加航Express品牌运营的航班的登机手续时可享受此礼遇。如果在其他航空公司办理登机手续,则无法享受此礼遇。如果已免费托运首件行李(例如,由于Aeroplan Elite会员身份或购买的机票),则将无法享受免费托运其他行李的礼遇。免费托运首件行李礼遇可能无法回溯,并且不会退款。额外/超大/超重的行李可能加收服务费。 有关行李限制的更多信息。
7无论申请人是否获批成为NEXUS计划会员,计入账户的一笔NEXUS计划会员申请费用 (新会员和续费会员) 都将获得金额最高可达$100 CAD的账单抵扣额 (均称为“NEXUS账单抵扣额”)。在任意48个月期间,当一笔有效的NEXUS计划会员申请费计入账户时最多可获得四 (4) 笔NEXUS账单抵扣额,可获得NEXUS账单抵扣额的笔数将与有效的NEXUS计划会员申请费用计入您账户时账户中的持卡人数量相同。48个月的期限从首笔有效NEXUS计划会员申请费用计入账户时起计。在NEXUS计划会员申请费扣费并计入账户时,账户必须保持良好信用记录,才有资格获得NEXUS账单抵扣额。NEXUS是加拿大边境服务局和美国海关和边境保护局联合提供的快速入境边境管制计划。NEXUS计划条款由NEXUS制定。道明银行及其附属公司不参与NEXUS计划,且不对该计划负责。
8 使用您的TD现金返还Visa卡 (“账户”) 在按照Visa支付网络商户类别代码 (“MCC”) 被归类为超市 (MCC 5411) (“超市消费”) ;加油站 (MCC 5541)、自动加油机 (MCC 5542) 和电动汽车充电 (MCC 5552) (“汽油和电动汽车充电消费”);本地和郊区通勤客运 (包括渡轮) (MCC 4111) (“公共交通消费”);或数字商品媒体 - 书籍、电影、音乐 (MCC 5815)、数字商品 - 游戏 (MCC 5816)、数字商品 - 应用程序 (MCC 5817)、数字商品 - 大型数字商品商户 (MCC 5818)、有线电视、卫星和其他付费电视/广播/串流平台服务 (MCC 4899) (“串流平台、数字游戏和媒体消费”);或被Visa支付网络归类为周期性付款、经预先授权按月或其他周期进行扣款 (“周期性账单付款”) 的商户处消费,可赚取1%现金返还奖金。以下消费类别的现金返还奖金奖励率仅适用于相应类别年消费额的前$5,000部分 (“年度上限”):(i) 超市消费、(ii) 汽油和电动汽车充电消费、(iii) 公共交通消费,以及 (iv) 周期性账单付款及串流平台、数字游戏和媒体消费。如果您某一年在上述 (i) 至 (iv) 类别中某一类别的总消费额超过了年度上限,则将在该年剩余时间按照该类别消费的基础奖励率赚取奖金。如果您对适用于某项消费的MCC有任何疑问,请致电1-877-233-5558联系TD。
9 使用您的TD现金返还Visa卡 (“账户”) 进行不属于TD现金返还计划条款与条件中规定的任何其他消费类别 (“其他消费”) 的所有其他消费,可赚取0.5%现金返还奖金 (“基础奖励率”)。
10 任何退货、退款、回赠或其他类似返利将扣减或取消原消费所赚取的现金返还奖金。费用、信用卡提现 (包括余额转账和类似现金交易)、利息收费、可选服务、退款、回赠或其他类似退账均不可赚取现金返还奖金。如需了解更多详情,请访问td.com/agreements,查看TD现金返还计划条款与条件。其他条件:优惠可能随时变更、撤销或延长,且不能与任何其他优惠同享。在发放现金返还奖金的日期,账户必须保持开通且信用良好,才有资格获得奖金。
11 账户必须保持开通且信用良好,才能赚取和兑换现金返还奖金。除非另有说明,否则任何时候兑换现金返还奖金的最低金额均为$25起。收到兑换指示前,现金返还奖金将持续累积。如要了解有关如何兑换现金返还奖金的更多详情,请访问td.com/agreements,查看《TD现金返还计划条款与条件》。
Interac e-Transfer®是Interac Corp.的注册商标。经授权使用。
TD银行新客优惠 (条款和条件)
Calculating up to $750 in value
§ Up to $750 in value is calculated as follows: Offer 1) $500 cash + Offer 2) $150 cash + Offer 3) an estimated value of $100.00 in bonus interest. The estimated interest amount is based on a $10,139 daily closing balance earning the Bonus Savings Interest Rate during the 90-day Bonus Rate period. Actual Bonus Interest earned may be higher or lower depending on the balance size and account activity.
Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by March 3, 2026 and complete the qualifying criteria described in the Offer 1 - Chequing Account Offer: $500 Cash section.
Offer 2) Earn $150 in cash when a New Chequing Account customer opens a new TD Every Day Savings Account, TD GrowthTM Savings Account, or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026, AND applies and is approved for a new TD Credit Card by April 3, 2026, and completes the qualifying criteria described in the Offer 2 - Bundle Offer: $150 Cash section.
Offer 3) Earn an additional 4.00% Bonus Savings Interest Rate for 90 days when a New Chequing Account customer opens a New Savings Account by March 3, 2026, and completes the qualifying criteria described in the Offer 3 – Savings Offer: Earn 4% Bonus Interest Rate for 90 Days section.
除非另有说明,否则所有金额均为加元。其他条款可能适用。
Offer 1: Chequing Account Offer: $500 Cash
† The Chequing Account Offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $500 in cash by completing the required activities:
Open a New Chequing Account
A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("The New Chequing Account") must be opened between November 6, 2025 and March 3, 2026.
Complete Any Two of the Following Activities
To qualify, any two of the following activities must be completed, with the related transactions posted to your account by May 5, 2026:
1) Receive a recurring Direct Deposit from an employer, pension provider or government.直接存款的频率必须为每周一次、每两周一次、每月一次或每月两次。所设立的周期性直接存款是否适用于本优惠,须经我们批准。
2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.
3) Have a recurring Pre-Authorized Debit of at least $50 come out of your account.预先授权账户扣款的频率必须为每周一次、每两周一次、每月一次或每月两次。 详细了解预先授权账户扣款
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; or
5) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
At the time of fulfillment, the New Chequing Account:
限制条件:
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: Bundle Offer: $150 Cash
◊ The $150 cash offer is available to Canadian residents that are of the age of majority at time of the New Savings Account and the TD Credit Card opening in their province or territory of residence. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a new TD Savings Account, defined above, and a new eligible TD Credit Card, and completing the required activities within the specified timelines:
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have an existing TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
8) Customers who are a Primary Cardholder of a personal TD Credit Card as of November 5, 2025.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
10) Customers who are enrolled in the New to Canada Banking Package.
Fulfillment:
限制条件:
如要了解有关交易的信息以及账户费用的完整列表,请参阅关于我们的账户和相关服务。
Offer 3: Savings Offer: Earn 4% Bonus Interest Rate for 90 Days
∞ Eligible customers can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new TD Savings Account – on any balances up to $1,000,000. The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must:
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have a TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
限制条件:
如要了解有关交易的信息以及账户费用完整列表,请参阅关于我们的账户和相关服务。
|
服务 |
费用 |
|---|---|
|
年费 |
$139 |
|
利率:刷卡消费 |
21.99% |
|
利率:信用卡提现 |
22.99% |
|
利率:预付现金 (仅限魁北克省) |
21.99% |
|
附属卡用户5 |
$75 |
,为您的新支票账户添加透支保障时可享。
Earn more with a 4.00%∞ Bonus Savings Interest Rate.
Plus, get an additional $150◊ when you:
Conditions apply§
|
服务 |
费用 |
|---|---|
|
月费 |
$0 |
|
每月已含交易1 |
1 |
|
额外交易1 |
每次$3.00 |
|
免费转账至您的其他TD账户2 |
无限次数 |
|
非TD ATM手续费(加拿大)3 |
每次$2.00 |
|
境外ATM手续费(美国及墨西哥) 3 |
每次$3.00 |
|
境外ATM手续费(在任何其他国家)3 |
每次$5.00 |
|
纸质对账单 |
每月$2.00 |
1 此账户至其他TD支票或储蓄账户的转账或预先授权转账服务免收交易手续费,而支票转账或Interac e-Transfer®电子转账作为借记交易处理,须收取交易手续费。
2 如要了解有关交易的更多信息以及账户费用完整列表,请点击此处查阅账户及其他相关服务费用。如要获取有关一般服务的信息,请查看我们的一般服务列表。
3您可向ATM提供商支付费用,在加拿大境外的ATM提取外币须支付外汇相关费用。
Interac e-Transfer®电子转账是Interac Corp.的注册商标。经授权使用。