U.S. Bank Accounts and Services for Canadians

U.S. bank accounts and services for Canadians

U.S. dollar chequing accounts
U.S. dollar credit cards
U.S. home lending

U.S. dollar chequing accounts

For short-term travellers, a Canadian-based U.S. dollar chequing account with TD Canada Trust allows you to save U.S. funds and withdraw cash at TD Canada Trust branches.

Long-term travellers may benefit from having both a Canadian-based U.S. dollar chequing account with TD Canada Trust and a U.S.-based checking account with TD Bank, America's Most Convenient Bank® so that you can easily transfer money to the U.S.¹ A U.S.-based checking account also allows you to withdraw cash at TD ATMs in the U.S and pay U.S. bills online with TD Bank Online Banking or Mobile Banking.

TD Canada Trust U.S. dollar chequing accounts

Borderless Plan

This chequing account is designed for frequent U.S. travellers.

$4.95 U.S. monthly fee²
$3,000 U.S. minimum monthly balance for monthly fee rebate³
Unlimited transactions per month⁴

View details

Open account

U.S. Daily Interest Chequing Account

This convenient chequing account simplifies your U.S. dollar banking, with no monthly fee.

$0 monthly fee
Canadian-U.S. quick online exchange
Earn Interest on every U.S. dollar

View details

Open account

TD Bank, America's Most Convenient Bank® checking accounts

TD Complete Checking

This checking account is made for everyone. Designed with you in mind, this account has what you need, plus a little more.

Three ways to waive the $15 monthly maintenance fee⁵
Waived monthly maintenance fee on one linked personal savings account of your choice
Additional benefits for students and young adults

TD Bank, N.A. Member FDIC

These accounts can only be opened in a TD Bank, America’s Most Convenient Bank® location

View details

Book an Appointment

TD Beyond Checking

An account loaded with benefits: Pay no ATM fees anywhere you go⁶ and earn interest.

Three ways to waive the $25 monthly maintenance fee⁷
Waived monthly maintenance fees on all linked personal savings accounts⁸
Two overdraft fees automatically reversed with Overdraft Payback⁹

TD Bank, N.A. Member FDIC

These accounts can only be opened in a TD Bank, America’s Most Convenient Bank® location

View details

Book an Appointment

U.S. dollar credit cards

A Canadian-based U.S. dollar credit card with TD Canada Trust or a U.S.-based credit card with TD Bank, America's Most Convenient Bank® can help you save on foreign exchange fees by allowing you to transact in U.S. dollars and reduce the need to carry around large sums of cash when travelling.

TD Canada Trust U.S. Dollar Credit Card

TD U.S. Dollar *Visa** Card

With this credit card¹¹ you can make U.S. dollar purchases in U.S. dollars with no U.S. dollar conversion fees.

$39 U.S. annual fee (waived with Borderless Plan¹²)
Eliminate U.S. dollar currency credit card conversion rates and fees when making purchases in U.S. dollars¹³

View details

Apply online

TD Bank, America's Most Convenient Bank® credit cards

To apply for a U.S.-based credit card with TD Bank, America's Most Convenient Bank®, you will need to have a U.S. address and be an existing client of TD Bank, N.A. or TD Canada Trust.

TD Cash Credit Card

Cash Back, your way¹⁴

Earn 3% and 2% Cash Back on your choice of Spend Categories¹⁵
Plus, you can switch, your categories quarterly
Earn 1% Cash Back on all other eligible purchases
No Annual Fee

By clicking on the links below you are choosing to leave the TD Canadian site to access the TD Bank US site to learn more about its US products & services. The TD Cash Credit Card is offered, sold and serviced exclusively in the United States by TD Bank, N.A.

Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

View details

Download application

U.S. home lending

Buying and owning property in the U.S. is different from Canada. Whether you're looking for a vacation retreat, second home or investment property, our specialized Cross-Border home lending team can help you find the right loan ¹⁶ and successfully navigate the process.

1-877-700-2913

Buying or owning a home in the U.S.

Why buy property in the U.S.?
You can extend your buying power by borrowing in U.S. dollars. Coupled with lower interest rates, rising property values and potential rental income, you can't go wrong
Key differences between U.S. and Canadian mortgages
There is a 20% down payment required on second/vacation homes and 25% on investment properties
How exchange rates and mortgage interest work
You will exchange Canadian dollars only to cover the down payment and closing costs. Mortgage interest may be tax deductible; we recommend you consult with a tax advisor for verification

Find a loan officer

Leverage your home's equity

TD Bank Home Equity Loans and Lines of Credit

If you already own property in the U.S., TD Bank can offer you flexible financing options based on the equity in your home.

Take advantage of the equity in your home
With a TD Bank Home Equity Loan or Line of Credit, you can make home improvements, consolidate debt, or finance large purchases
Lending options designed with you in mind
Choose a fixed or adjustable rate based on your needs

Simplify your cross-border cash needs
With a TD Bank Home Equity Loan or Line of Credit in the U.S., you can avoid currency exchange when you require access to U.S. funds
Contact our home lending specialists to learn more and apply
Call the TD Cross-Border Banking Support Line ¹⁰ at 1-877-700-2913 to speak with a home lending specialist

Mortgage and home equity tips and tools

Learn how the mortgage and home equity process works and which solution might be right for you.

Guide to home lending in the U.S.

The process for a mortgage or a home equity loan/line of credit takes approximately 45 to 60 days in the U.S., versus 20 days in Canada. You or your power of attorney will need to be physically present at the closing in the U.S.
Required documents for U.S. mortgage or line of credit

TD Bank will convert your Canadian assets and liabilities and Canadian income to U.S. dollars as part of your application
Calculate your mortgage payment

You will typically need a 20% down payment, and your mortgage loan officer will review all closing fees with you and provide a loan estimate within 3 days of application
Calculate your home equity payment

For a second home or investment property, we will lend up to a maximum combined loan-to-value of 75%. A home lending specialist will review all closing fees with you and provide a loan estimate within 3 days of application

Additional resources

View mortgage rates

View home equity rates

Contact us

Book an appointment

Meet with us at a time that works for you.

Book an appointment Book now
Call us

Our Cross-Border Banking Support Line¹⁰ can help.

1-877-700-2913 1-877-700-2913

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