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When are my account balances updated?

Account update timing

Certain account balances are updated instantly. These include:

  • Personal chequing/savings accounts
  • Business deposit accounts
  • GIC and Term deposits *
  • Retirement Saving Plans *
  • Line of Credit **
  • Student Line of Credit **
  • Loans **
  • Mortgages **
  • TD Credit Cards***

For the following accounts, transactions are processed overnight and the balance shown will reflect the date last updated (there will be a 24-hour delay between updates). Interest calculation is based on the payment date, thereby reducing the accruing interest. These include:

  • Retirement Income Options
  • TD Investment Services accounts
  • TD Direct Investing accounts
  • TD Wealth accounts

* Account balances do not include interest up-to-date on investment products with annual or semi-annual interest payments.

** Account balances do not include interest up-to-date.

*** Does not include Pending Transactions or US Dollar Credit Card payments made online 

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