TD Canada Trust TD Canada Trust a division of Toronto-Dominion Bank offers a large selection of financial services to its individual and business clients. Headquartered in Toronto, this leading customer service provider runs some 1,100 branches in Canada and has an ATM network of over 2,600 teller machines. Its online banking service is a secure and convenient option for banking 24/7. TD Canada Trust features a large variety of personal banking services, including accounts, credit cards, mortgages, and personal credit. Clients can choose between different chequing & savings accounts. One can make a decision on the best suited account based on his/ her minimum monthly balance, number of transactions per month, and average number of withdrawals. Three types of saving accounts are offered: TD Every Day Savings Account, TD High Interest Savings Account, and Youth Account. Clients who are under the age of 19 can open a youth account. Interest is calculated on a daily basis and paid monthly. Young customers enjoy free passbook record keeping or paperless monthly statements. Debit transactions are unlimited, including electronic preauthorized payments, account transfers, and cheques. Personal credit solutions are offered to clients who want to renovate their homes, buy a car, contribute to their RSP, etc. The lines of credit extended by TD Canada Trust come with competitive variable interest rates, while balance transfers from high interest credit cards to one’s credit card are available with BOAT. Lines of credit give clients access to funds any time and up to $50,000. Accounts can be managed by phone, online, or at Green Machine ATMs. Two main types of mortgages are offered: 4.39 percent 5-year fixed rate mortgage and green mortgage. With the first option, up to 15 percent can be prepaid every year. The green mortgage comes with 1 percent rate discount off the fixed rate mortgage. The offer is available to both, existing and new clients. TD Canada Trust offers a variety of credit cards from student and low rate credit cards to travel and rewards cards. The TD Emerald visa is an example of a low rate credit card with interest rate as low as 4.75 percent. The annual fee is $25. Another option is the TD Gold Select Visa which comes with a number of included benefits such as the Common Carrier Travel Accident Insurance and Emergency Travel Assistance Services. The card is featured with no annual fee, 21.5 percent interest rate on cash advances and 19.99 percent on purchases. A number of business banking services are offered as well. These include payroll and employer services, merchant services, credit cards, and electronic banking, among others. TD Merchant Services offers product innovation for small and large businesses and point-of-sale technology. The payment solutions provider features debit and credit card payment processing as well as payment solutions for Internet, telephone, and face-to-face transactions. In addition, TD Canada Trust offers business loans and mortgages, as well as business credit cards and insurances. Mortgages are featured with fixed and variable interest rates while business lines of credit can be secured by a business property. The business credit life insurance covers clients, their family, employees, and all people that are key to the clients’ businesses. Finally, the foreign currency services are special services intended for small business owners. These include currency trading, online transfers, bank drafts, wire transfers, and others.