Visa
What are our no annual fee Visa options?
The no fee visa options we have are:
Cash Back Visa
Rewards
What are TD's current Everyday Chequing Accounts?
Chequing accounts: Minimum, Everday, Unlimited, All inclusive, and Student
What is the N2B offer?
$300 Cash Offer
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account (must be new to Chequing) by April 30, 2022
$50 Cash Offer
Add Overdraft Protection Services (Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection) to the New Chequing Account by April 30, 2022
$50 Cash Offer
Open a new TD ePremium Savings Account or TD Every Day Savings Account by April 30, 2022
What is the current RESL campaign?
$3,000 cash incentive
What is access to funds policy?
Access to Funds Regulations stipulate that you must make available for withdrawal $100.00 per cheque negotiated for Personal Customers. As most of our PDA customers deposit 1 cheque per day, S3 has been built to accommodate these transactions. The Access to Funds field is set to $100 per transaction and the hold amount is prepopulated with the cheque amount, less the $100.
When a Personal Customer deposits more than 1 cheque in a transaction (either all at once or in separate transaction) must ensure they receive access to $100 per cheque.
Which accounts waive the annual Visa fee?
All inclusive account waives the premium Visa fee as long as you hold the All inclusive account
Unlimited chequing account waives the 1st year annual fee on a TD premium Visa card
What are our Overdraft Protection Options?
What are the fees, limits and what is the interest %
Monthly ODP, and Pay you go ODP
MODP:Fees are $5 monthly, $300min- $5000max and interest rate 21% of the overdrawm amount
PODP: Fees are $5 per transaction, $300min-$5000 mac and interest rate of 21%
What is the N2Canada offer?
Monthly fee rebate for 12 months +
$300 cash
0.25% bonus interest rate
for 6 months applicable to the 3 savings accounts
+ $50 cash (available for TD Every Day Savings or TD ePremiums Savings Account only)
new Monthly Plan Overdraft Protection or Pay-As-You-Go Overdraft Protection $50 cash
Up to $500 in value on the TD Aeroplan Platinum Travel Visa including first year annual fee rebate (conditions apply)
or
$25 Cashback Rewards on the TD Cash Back Visa
or
5,000 TD Rewards Points on the TD Rewards Visa
And unlimited global transfer fees for the first 12 months
What are the incentive details?
Tier 1$150,000 - $299,999 cashback $500
Tier 2$300,000 - $499,999 cashback $950
Tier 3$500,000 - $749,999 cashback $1,500
Tier 4$750,000 - $999,999 cashback $2,500
Tier 5$1,000,000 + **New** cashback $3,000
What would you do if a customer asked to change their contact information?
Engage a manager and they would go on CIF-MCCP tool and change the customers contact preferences
What are our low interest rate Visa options? And what are the rates?
TD Emerald Flex Rate Visa
$25 Annual Fee
TD Prime 1 + 4.50% to 12.75% Interest: Purchases
TD Prime 1 + 4.50% to 12.75% Interest: Cash Advances
Which Chequing accounts can be rebated, and how are they rebated?
EVD account- min balance of $3000 for the whole month
ULT account- min balance of $4000 for the whole month
ALL account- min balance of $5000 for the whole month
Min account- No monthly account fee for Seniors receiving Guaranteed Income Supplement, Registered Disability Savings Plan Beneficiaries, Students (enrolled full time in post-secondary program) and Youths (age of majority in province of residence).
What is the new Eligibility for International Students?
International Students are eligible for an unsecured visa of up to $1000 with a full appointment. Pre-approved offers are not eligible.
What is the requirement to be eligible for the offer?
A new purchase, refinance, or transfer-in.
What would you do if a customer asked for all of their personal information that TD holds?
Engage a manager and then have the customer fill out a PIAR form and let them know the will be contacted in the next 30 days regarding their information.
What is the current Welcome bonus for the:
TD First Class Travel Visa
TD Aeroplan Visa Infinite
TD Cash Back Visa Infinite
First class: Up to 100,000 TD Points + Fee Rebate NEW* 0% Promotional Interest
Aeroplan Visa:10,000 welcome bonus +20,000 Aeroplan points Bonus offer +15,000 Aeroplan Anniversary points First Checked Bags + Nexus fee rebate + Fee Rebates)
Cash Back Visa:6% Cash Back on All Purchases for the first 3 months
What are our Savings account options?
Savings accounts: Everyday, High Interest, ePremium, High Interest TFSA
What is another promotion that the N2C account offers?
For a limited time, New to Canada customers who open a chequing account (and meet 2 of 3 conditions), savings account and credit card can also get one year of Amazon Prime membership.
How long does the term need to be to be eligible for the offer?
Minimum four-year closed term or longer (5-year variable closed rate mortgage will qualify).
If a customer would like to increase or accept a pre-approved ODP on their joint account what must we do?
We must make sure that all parties on the account are here to attest and sign that it is okay to make changes to the ODP.
What is the point structure for these Visas:
First Class Travel
Aeroplan Visa Infinite
Cash Back Visa Infinite
FCT :Earn 3 TD Points per $1 you spend on all purchases3 made using your Card
Aeroplan Visa:
Cash back infinite
What are the new benefits for the new TD student account coming May 24th?
new account features: Unlimited transactions for student accounts along with the 1st year rebate on eligible Visa cards
What are the conditions that need to be met for the N2C/N2B for the person to be eligible for the savings.
refer to bweb
When is the MTG/Heloc need to be funded by?
March 7 to August 31, 2022
What is FCAC?
The Financial Consumer Agency of Canada (FCAC) is an independent body, established by the federal government to protect and educate consumers on financial products and services.