The TD All-Inclusive Banking Plan offers a rich set of benefits in exchange for a $30.95 monthly fee, which is waived when a $5,000 daily balance is maintained throughout the month. Account holders can enjoy unlimited transactions, no fees for TD or non-TD ATMs, rebates on the annual fee for select TD credit cards, and the opportunity to earn bonuses from partners like Starbucks.
The plan also provides free premium perks such as a safety deposit box and personalized cheques. Online conveniences, like TD Fraud Alerts and special discounts for seniors round out this comprehensive banking package, making it a solid choice for value-driven customers.
TD All-Inclusive Banking Plan features
The TD All-Inclusive Banking Plan provides all the standard features you’d expect in a premium chequing account. Let’s look at what the plan offers, from transaction capabilities to supplementary benefits.
Why You Want It
Unlimited transactions + No ATM fees anywhere in the world.
Special Features
- TD Fraud Alerts
- No ATM fees
- Automatic savings transfers
- Free personalized cheques, money orders, and certified cheques
Eligibility
- Age of majority
Provinces
ALL
Features
Minimum Balance To Waive Fee
$5,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$30.95
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
$139
Maximum Welcome Bonus
$450
Promo End Date
May 28, 2025
Physical Locations
Automatic Budgeting System
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
Free Cheques
Free Bank Drafts
Max Rebates For Other Accounts
$1
Discounts For Seniors
Discounts For Youth
Other Discounts
TD All-Inclusive Banking Plan product rating: 4.5 stars
There’s a lot to like about the TD All-Inclusive Banking Plan. It offers several advantages including unlimited transactions, no fees at TD or foreign ATMs, and the waiver of the $30.95 monthly fee when a $5,000 balance is maintained throughout the month. Additional perks like a free safety deposit box and personalized cheques add value to the plan. The TD Fraud Alerts feature also enhances security, providing reassurance to users.
On the flip side, the plan's monthly fee could be a deterrent for those unable to consistently meet the $5,000 balance requirement, making it less appealing compared to other banking options. Also, while the Starbucks reward feature caters well to coffee enthusiasts, it may not hold significant appeal for all users.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of TD All-Inclusive Banking Plan
The TD All-Inclusive Banking Plan offers several standout features. Here are the features customers appreciate most about this account.
Pros
Generous welcome bonus
New TD customers can enjoy a $450 welcome bonus when they open the TD All-Inclusive Banking Plan, one of the highest welcome bonuses we’ve seen for a chequing account. Of course, there are some steps to take before earning this amount, which include setting up a recurring direct deposit or pre-authorized debit, or paying an online bill. Account holders must then deposit into a new savings account and add overdraft protection to earn the full amount.
Unlimited transactions and Interac e-Transfers
Account holders receive unlimited transactions, ensuring they can manage their finances without constantly watching the transaction count. Additionally, the plan covers Interac e-Transfer fees and the use of ATMs outside of Canada.
Free safety deposit box, cheques, and money orders
With most accounts, the small add-ons start to pile up. With the TD All-Inclusive Banking Plan, account holders will receive complimentary personal cheques and money orders, plus they can access a small safety deposit box based on availability.
Rebate on select TD credit cards
This account makes it easy and affordable to add on a TD credit card since the annual fee for a choice of 5 of TD’s most popular cards has been waived. These cards would usually cost up to $139 per year.
Free ATM use (both TD and non-TD ATMs)
Account holders can also forget about driving around town looking for the right ATM to use, because this account includes the usage of non-TD ATMs, even when you’re out of the country. Just remember that you’ll likely still pay a service fee to the institution whose machines you’re using, and you’ll have to pay the foreign exchange-related fee when you’re out of the country – but TD will not charge you anything for this service.
The cons of TD All-Inclusive Banking Plan
While the perks listed above are pretty great, the chequing account isn’t perfect. There are pros and cons to every account option. We’ve just addressed the pros, so here are the cons.
Cons
High minimum balance to waive the monthly fee
If you’re not a person who finds it easy to maintain a minimum account balance of $5,000, you will have to pay a monthly fee of $30.95 if your balance dips below that limit at any time during that month. This is a high monthly fee, so consider how much you can realistically keep in your account before committing to the TD All-Inclusive Banking Plan.
No rewards program or valuable perks
Many accounts offer rewards programs, allowing you to collect points that you could use towards free flights, movie tickets, and more. This chequing account does not offer a rewards program, which could dissuade some potential customers.
No savings on international money transfers
If you’re a person who sends regular international money transfers, this may not be the right account for you, as it offers no discounts on this type of transaction.
TD All-Inclusive Banking Plan alternatives
Here are some alternatives to the TD All-Inclusive Banking Plan.
 |  |  | |
|---|---|---|---|
| Account | BMO Performance Chequing Account | Scotiabank Preferred Package | Coast Capital Elevate Chequing Account |
| Genius Rating | |||
| Why You Want It |  $75 GeniusCash + Up to $700 in welcome bonuses + up to 4.6% interest on Savings Amplifier account. *T&Cs apply. | $50 GeniusCash + Get up to a $700* welcome bonus + Earn Scene+ points on all debit purchases. | $125 GeniusCash + New members can get $400** when they open and use an Elevate Chequing Account.
|
| Minimum Balance To Waive Fee | $4,000 | $4,000 | N/A |
| # Of Free Monthly Transactions | Unlimited | Unlimited | Unlimited |
| # Of Free Monthly Interac E-Transfers | Unlimited | Unlimited | Unlimited |
| Monthly Fee | $17.95 | $16.95 | $16.95 |
| Excess Transaction Fee | N/A | N/A | N/A |
Show More | |||
| I Want This Deal See more BMO products Compare | I Want This Deal See more Scotiabank products Compare | I Want This Deal See more Coast Capital Savings products Compare |
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FAQ
What is the TD All-Inclusive Banking Plan?
The TD All-Inclusive Banking Plan is a comprehensive banking package from TD, offering unlimited transactions, waived Interac e-Transfer fees, and no extra charges for foreign ATM usage. It pairs daily banking essentials with premium perks, emphasizing both convenience and value.
What is the TD All-Inclusive Banking Plan account fee?
The account fee for the TD All-Inclusive Banking Plan is $30.95 monthly ($22.45 for seniors). However, this fee is waived if account holders maintain a minimum balance of $5,000 throughout the month.
Does the TD All-Inclusive Banking Plan offer a senior’s rebate?
Seniors don’t receive a rebate, but they do receive a discount on monthly fees. The regular monthly fee for this account is $30.95. However, seniors over the age of 60 years only have to pay $22.45 per month, saving about 25% of the regular monthly fee.
Is there a TD All-Inclusive Banking Plan minimum balance?
There is no minimum balance needed to maintain the account, but in order to avoid paying the steep monthly fee, account holders must maintain a minimum balance of $5,000.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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