How to Waive TD All-Inclusive Credit Card Fee Without Keeping $6,000 Long-Term
Use TD's online account type change feature to temporarily upgrade to an All-Inclusive account in the month your credit card annual fee is charged, then downgrade immediately after the rebate lands.
TD All-Inclusive Banking Plan’s monthly fee is $30.95, waived if you maintain a daily closing balance of $6,000 or more1. One of its key perks: an annual fee rebate on one eligible TD credit card, up to $139 (primary cardholder) + $75 (additional cardholder)1. The problem: $6,000 sitting in a chequing account earns no interest, and the opportunity cost usually exceeds the rebate.
Changing Account Types Online
Both TD EasyWeb and the TD App support self-serve account type changes. Requests are typically reviewed within two business days, and the change does not affect your account number or debit card.
How to Do It
In the month your credit card annual fee is charged, upgrade your chequing account to All-Inclusive. Once the rebate lands, downgrade back to a lower-tier chequing account. You only need to maintain the $6,000 balance for one month a year.
Steps: EasyWeb → select account → Manage → Change Account Type → select All-Inclusive Banking Plan → submit. Same flow on the TD App: Accounts → select account → Manage → Change Account Type.
Downgrade follows the exact same steps — just select a lower-tier chequing account as the target.
All-Inclusive Plan Full Benefits
| Benefit | Detail |
|---|---|
| Transactions | Unlimited, no per-transaction fees |
| Interac e-Transfer® | Free to send and request |
| TD ATM fees | No additional fee at any TD ATM globally |
| Safety deposit box | Small box free (approx. $80 value/year) |
| Cheques | Free basic personalized cheques, certified cheques, money orders (ordered via EasyWeb) |
| Credit card annual fee rebate | Up to $139 (primary) + $75 (additional cardholder), one card per year1 |
| U.S. account fee rebate | $3.00 USD/month off TD Borderless Plan |
| Paper statements | Free |
| TD Fraud Alerts | Free real-time transaction blocking/unblocking |
| Starbucks Rewards | Earn 0.5 Bonus Stars per $1 spent at participating stores |
TD Chequing Account Fee Comparison (2026)
| Account | Monthly Fee | Min. Daily Balance to Waive Fee | Free Transactions/Month |
|---|---|---|---|
| TD Minimum Chequing | $3.95 | N/A (waived by eligibility, see below) | 12 |
| TD Every Day Chequing | $11.95 | $3,000 | 25 |
| TD Unlimited Chequing | $17.95 | $4,000 | Unlimited |
| TD All-Inclusive | $30.95 | $6,000 | Unlimited |
TD Minimum Chequing fee waiver: Monthly fee is waived (no balance requirement) for recipients of the Guaranteed Income Supplement (GIS), Indigenous Peoples in Canada, RDSP beneficiaries, and newcomers to Canada in their first year (proof required)2. If none of these apply, there is no balance-based fee waiver for this account.
⚠️ Terms and fees are subject to change. Always verify current details on the official TD website.