When I’m spending money in the US, I can use my TD Bank USD Visa card, which has better benefits that the USD Visa cards offered by TD Canada Trust, and which I can pay off directly from my TD Bank checking account.When US clients send me a check, I can deposit that check to my US bank account using the TD Bank mobile app - as long as the check is for less than $3,000.My TD Bank Visa and checking accounts have solved a few problems for me: That pretty much required me opening a USD bank account with TD Bank, so that I’d have a straightforward way of paying my credit card bills. My fallback solution (at least until I build up a US credit history) was to get a Visa card with TD Bank in the US. I wanted to get the Chase Sapphire rewards card recommend by NerdWallet, but even though I’m a US citizen, I didn’t have enough of a US credit history to qualify, because I’ve lived in Canada for the past twenty years. (Short version: Do as much as possible with Transferwise instead.) To spend money in the US : TD Bank Visa card and checking accountĪs more and more of my work and income have shifted to the US, I found that TD Canada Trust was unable to offer me bank services, exchange rates or a USD credit card that made sense, which is why I finally decided to get a US credit card. Since this is just the latest chapter in my multi-year effort to get decent cross-border banking support from TD Canada Trust, I’ve documented the ways you can solve all your biggest cross-border banking headaches as a TD customer. But their own cross-border team is usually unable to help me, which is why I recently found myself frustrated by the effort of trying to pay my TD Bank Visa card with US dollars that currently sit in my TD Canada Trust USD business account.Įventually, I figured this out - and if you’re having the same problem, you can find my solution below. TD Canada Trust (a Canadian bank) and TD Bank (a US bank) make a big deal of their cross-border services, which supposedly make life easier for folks like me, who work or live in both countries.

If you're the age of majority in your province or territory of residence and in school, check out the student banking offer.Share How to move US dollars or pay your US Visa card with TD Canada Trust and TD Bank Or, if the teen doesn’t have valid photo ID, they can bring two pieces of valid non-photo ID to the appointment.That could be a driver’s license (if you have one), or a permanent resident card. Teens need valid photo ID, such as a valid passport or 1 piece of valid Canadian government-issued photo ID.A parent or legal guardian will also need to accompany the youth to the appointment and bring their own valid photo ID, such as a valid passport or 1 piece of valid Canadian government-issued photo ID (like a driver’s license or permanent resident card) or two pieces of valid non-photo ID (like a Canadian Birth Certificate and a residential utility bill) to the appointment. Or, if the youth doesn’t have valid photo ID, they can bring valid non-photo ID that contains their name and date of birth, like a Canadian Birth Certificate or Canadian Citizenship Certificate to the appointment.Youth need valid photo ID, such as a valid passport or 1 piece of valid Canadian government-issued photo ID, like a permanent resident card.

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