New and existing TD Direct Investing clients who open a new self-directed First Home Savings Account (FHSA) with the promo code STARTSAVE or DEBUTEPARGNE can earn up to $100 cash on eligible deposits for a Cash Award (the "Award"). This "Offer" is available starting November 28, 2024 and ends on May 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing and TD Easy Trade™ clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
Account(s) not eligible for the Offer:
- Cash (personal or joint) accounts
- Margin (single or joint account holder)
- Tax-Free Savings Account single account holder (TFSA)1
- Registered Retirement Savings Plan single account holder (RRSP)1
- Locked-in registered accounts
- Corporate Account
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs)2
- Retirement Income Funds (RIFs)2
- Registered Disability Savings Plan (RDSP) 2
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by May 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Open a new FHSA Account using the promo code STARTSAVE or DEBUTEPARGNE by May 31, 2025.
a. If an account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
2. Deposit $3,000 or more in investable assets or cash from another Canadian financial institution(s) or TD Canada Trust account ("Qualifying Assets") to the new eligible Account(s) by the funding deadline ('Funding Deadline') outlined below:
a. Deposits originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. Deposits of mutual funds or Guaranteed Investment Certificates originating from TD Canada Trust accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their Eligible Account(s) for 6 months ("Holding Period") after the Funding Deadline.
a. Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $3,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not be part of the Qualifying Assets.
Cash back Award Details:
- Clients are eligible to receive $100 cash on the Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the cash Award.
- Any withdrawals that occur during the period of November 28, 2024 to November 30, 2025, inclusive, will be subtracted from the total deposits.
- The client will receive the Cash Award in the FHSA registered for the Offer.
Terms of Cash back Award Payment:
- Funding Deadline: June 30, 2025
- Holding Period: November 30, 2025
- Cash Payout: By January 15, 2026
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Clients are only eligible to receive one Cash Award for the FHSA offer. Where a client opens multiple FHSAs through TD Direct Investing and TD Easy Trade, the Cash Award will be deposited into the TD Direct Investing FHSA.
- The Offer is not transferrable.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and account fees will be excluded from calculations used to qualify accounts.
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