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Will I be charged a fee if I use my TD Bank debit card at a non-TD ATM in the U.S. or abroad?

You get free ATM access at any TD Bank and TD Canada Trust ATMs throughout North America. 

Please note the following for non-TD ATM transactions.

Depending on the TD Bank account you have:

  • You may or may not be charged by TD Bank for using a non-TD ATM to complete a withdrawal, transfer or balance inquiry.*
  • The owner of the machine (or network) may assess a fee (surcharge) at the time of your transaction, including for balance inquiries.
  • TD Bank may reimburse you for the fees charged by the owner of the non-TD ATM at the end of each statement cycle if you maintain a $2,500 minimum balance for the entire statement cycle.* 
  • If you use any ATM in a foreign country, you may also incur international, currency exchange and usage fees regardless of the type of account you have at TD Bank.

* See your Personal Deposit Account Agreement for applicability.

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