So you want to jump in the car with your besties and head south of the border for the weekend. Amazing! The one problem - what do you do about money?
Do you convert your Canadian money into American? Do you get those funny looking travellers cheques your parents used that one time? Can you use your debit card in the U.S.? Or should you only take a credit card?
When you bank with TD, we make travelling to the U.S. a breeze. We’ll help answer all your questions so you can find the best solution for your trip.
Here are some of the ways we can help you shop in the U.S.
1. Use your TD Access Card
YourTD Access Cardis accepted in the U.S. and in 200 countries worldwide where Visa is accepted1. If you have aTD Student Chequing Account, you can shop in the U.S. with your TD Access Card or pay a U.S. bill directly from your account.
2. Visit any TD Bank and easily access your money
Enjoy quick and easy access to your funds at nearly1,300 TD Bank stores and more than 1,800 ATMsin the U.S. (from Maine to Florida).
3. Pack your credit card
Emergencies happen so it’s always good to bring your credit card as a safety net. Here’s how it works. If you have a Canadian dollar credit card, we will bill you in Canadian dollars for any transaction made on your Account in U.S. dollars. We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%2.
If you visit the U.S. a lot, you may want to consider aU.S. Dollar Credit Card.
4. We’re here to help you 24/7
Have more questions about how to shop south of the border with TD? Get advice through the TD Cross-Border Banking Support Line at1-877-700-2913‑ available in Canada or the U.S.
Legal
1The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its affiliates are not responsible for the service including any offers made available to you through the service. For Visa Debit purchases at merchants outside of Canada, the transaction amount will be converted to Canadian dollars based on the foreign exchange rate charged to TD Canada Trust and will include an additional fee equal to 2.5% of the converted amount.
2For complete details, see your TD Canada Trust Credit Cardholder Agreement.
As an expert in cross-border banking and financial transactions, I can provide valuable insights into the intricacies of managing money when traveling from Canada to the United States. My expertise is grounded in a deep understanding of the services offered by TD Bank and the nuances of international transactions.
Now, let's delve into the concepts presented in the article you shared:
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TD Access Card and Global Acceptance:
- The TD Access Card is highlighted as a convenient option for U.S. travel, accepted not only in the U.S. but also in 200 countries worldwide where Visa is accepted.
- Specifically mentioned is the ability to use the TD Access Card for shopping in the U.S. or paying U.S. bills directly from a TD Student Chequing Account.
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Accessing Funds at TD Bank Locations:
- Travelers are encouraged to visit any TD Bank location for quick and easy access to their funds. TD Bank has a significant presence, with nearly 1,300 stores and over 1,800 ATMs spanning from Maine to Florida in the U.S.
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Credit Card Usage and Currency Conversion:
- The article provides guidance on using credit cards, especially in emergencies, and explains the process for transactions made in U.S. dollars. For Canadian dollar credit cards, transactions are billed in Canadian dollars, converted using the foreign currency conversion rate, and incurring a 2.5% foreign currency conversion fee.
- For frequent U.S. visitors, the suggestion is to consider a U.S. Dollar Credit Card, presumably to avoid some of the conversion-related fees.
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24/7 Support:
- TD Bank emphasizes its commitment to customer support by offering assistance 24/7. Travelers can seek advice through the TD Cross-Border Banking Support Line, reachable at 1-877-700-2913, available in both Canada and the U.S.
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Additional Information:
- The article includes legal disclaimers and details, such as the Visa Checkout service being provided through Visa, and the terms and conditions regarding foreign currency conversion fees for credit card transactions.
In summary, TD Bank offers a comprehensive set of solutions for Canadians traveling to the U.S., encompassing debit card usage, access to funds at TD Bank locations, guidance on credit card usage, and a robust support system. The emphasis on global acceptance and specific features for students and frequent travelers adds a tailored approach to addressing the financial needs of different customer segments.
