Cross-border banking is an easy way to manage your money between your Canadian and U.S. dollar bank accounts. You can manage your cross-border banking through EasyWeb or the TD app.

Based on your needs, there are a few cross-border banking options you can choose from.

Canadian-based U.S. accounts (Borderless Plan, U.S. Daily Interest Chequing Account) work for short and long-term travellers to the U.S.

U.S.-based accounts (TD Complete Checking, TD Beyond Checking) work for long-term or frequent short-term travellers to the U.S.

Learn more about TD’s Cross-Border Banking products and services here.

Transfer money securely online through EasyWeb or the TD app. 

Other:

• TD Global Transfer^TM: Visa Direct and International Bank Transfer
• TD Bank (US) to TD (Canada) transfer
• Me-to-Me Wires

You must be the age of majority in your province or territory of residence to open a bank account online. You can open an account in any TD branch with your SIN and a valid passport or Canadian government-issued photo ID.

A TD U.S. Dollar Visa card gives you the flexibility and convenience of making secure purchases and paying for bills in U.S. dollars without credit card foreign currency conversion fees.⁹

Check out the other TD U.S. Dollar Visa Card benefits and features here.

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.