TD Bank logo

Best Budget App for
TD Bank

Connect TD Bank's US checking, savings, and Cash Credit Card to Waypoint and budget across both TD US and TD Canada Trust accounts if you bank cross-border. One app, both sides.

No credit card · Free forever · Read-only connection

Connection

Plaid

Waypoint connects to TD Bank through Plaid for the most stable sync.

Account types

4 supported

Convenience Checking · Beyond Checking · Simple Savings · Cash Credit Card

Access level

Read-only

Waypoint can see transactions but can never move money in or out of TD Bank.

Built around how you actually use TD Bank

Waypoint is a full budgeting app — not just a spending chart bolted onto your banking app.

Automatic transaction sync

Every TD Bank transaction lands in Waypoint within minutes, categorized and ready to review.

Smart category rules

Recurring TD Bank merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your TD Bank spending fits each category — no spreadsheets.

AI Money Coach

Ask questions about your TD Bank spending and get answers in plain English.

Household sharing

If your partner also banks with TD Bank, share your budget without sharing logins.

Net worth and goals

Track TD Bank balances over time and set savings goals that actually move.

Connect TD Bank in under a minute

1

Create your free Waypoint account

No credit card. Sign up with email, Apple, or Google.

2

Search for "TD Bank" and authorize

Waypoint routes you through Plaid, which is the same secure bank-data provider used by major fintechs. You log in with your TD Bank credentials — Waypoint never sees them.

3

Pick the accounts you want to budget

Bring in any of your Convenience Checking, Beyond Checking, Simple Savings accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your TD Bank login stays at TD Bank

Waypoint uses bank-grade connections through Plaid — the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about TD Bank + Waypoint

Does Waypoint actually sync with TD Bank?
+
TD Bank (the U.S. subsidiary of TD) connects through Plaid in Waypoint and is separate from TD Canada Trust — both are supported independently. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which TD Bank account types are supported?
+
Waypoint supports Convenience Checking, Beyond Checking, Simple Savings, Cash Credit Card from TD Bank. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting TD Bank to Waypoint safe?
+
Yes. Waypoint never sees or stores your TD Bank login. The connection goes through Plaid — the same bank-data providers used by major fintechs — and is read-only. We can never move money.
How much does it cost to connect TD Bank?
+
The free tier of Waypoint lets you connect one bank including TD Bank. The Plus plan (US$7.99/mo) adds the AI Money Coach, advanced reports, and 5 years of history. The Pro plan (US$12.99/mo) bumps you to 5 bank connections and adds net worth and household budgeting.
What if my TD Bank connection ever breaks?
+
Waypoint will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control — your data stays put while the connection is being restored.

Other U.S. banks supported in Waypoint

Connect more than one to see your full picture.

Chase Bank logoChaseBank of America logoBank of AmericaWells Fargo logoWells FargoCitibank logoCitiU.S. Bank logoU.S. BankPNC Bank logoPNC

Start budgeting your TD Bank accounts today

Free forever. No credit card. Your TD Bank accounts can be connected in under a minute.