A TD specimen cheque provides essential banking information like your transit number, institution number, and account number, used for setting up direct deposits and pre-authorized payments. It can be easily obtained through TD EasyWeb, the TD app, or by visiting a branch.
Have you ever been asked to provide a specimen cheque but aren’t quite sure what information it contains or how to obtain one? Specimen cheques are an essential tool for securely sharing your banking information, especially when setting up direct deposits, automatic payments, or linking accounts for bill payments. Although their use has declined in Canada with the rise of electronic banking, there are still many situations in 2025 where providing a specimen cheque is necessary.
In this article, we’ll guide you through everything you need to know about obtaining and understanding your TD specimen cheque.
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A specimen cheque is simply a void cheque that provides essential banking details without allowing any transactions to occur. It contains all the information a person or company needs to set up payments to or from your account, but since it's marked “VOID,” it cannot be used to withdraw funds.
You might need a specimen cheque when:
Setting up direct deposit for your paycheque.
Arranging for automatic bill payments.
Linking a bank account to investment accounts.
Submitting payment details for insurance, utilities, or government benefits.
In 2025, many employers, service providers, and institutions still accept or require a specimen cheque for these purposes, even though digital alternatives like direct deposit forms are becoming more common.
How to Understand a TD Specimen Cheque
Your TD Specimen Cheque can be found in your online banking portal, but you might not be familiar with how it works or what each important feature on the cheque means. We are going to breakdown the important key features on a specimen cheque in Canada so you can be a banking whiz.
1. Home Address
Your residential address appears at the top left of the cheque. This helps verify your identity and ensures the information is tied to you personally.
2. Bank Branch Address
The address of your TD Canada Trust branch where your account is held. Some accounts, especially online or mobile accounts, may display a central branch address.
3. Transit Number
A five-digit number identifying your specific TD Bank branch. Each TD branch across Canada has its own transit number.
4. Institution Number
A three-digit number representing the financial institution. TD Bank’s institution number is 004.
5. Account Number (Folio Number)
Your unique account number, usually 7 to 12 digits, depending on the type of account. Combined with the transit and institution number, it directs where funds should be deposited or withdrawn.
6. Cheque Number (optional)
Although not necessary for setting up payments, the cheque number will appear on physical cheques. It is not typically used when submitting a specimen cheque for banking setups.
How to Get a TD Specimen Cheque in 2025
You can obtain a TD specimen cheque easily, either manually using a physical cheque or digitally through TD’s online and mobile banking services.
1. Manual Method Using a Physical Chequebook
If you have a chequebook:
Take a blank cheque.
Write "VOID" clearly across the front in large letters.
Do not sign the cheque.
This voided cheque can now be used as a specimen cheque.
Tip: Always use a black or blue pen and ensure the word "VOID" covers key parts of the cheque to prevent misuse.
2. Digital Method Using EasyWeb Online Banking
TD’s EasyWeb service makes it simple to access a direct deposit form, which serves the same purpose as a specimen cheque.
Here’s how:
Log into EasyWeb via your computer or mobile browser.
Select the chequing account you want the form for.
Look for the "Direct deposit form (PDF)" link on the right-hand menu.
Download the form. It will include:
Your name
Bank account number
Transit number
Institution number
This PDF can be printed or emailed directly to whoever needs it.
3. Digital Method Using the TD App
If you prefer using your phone:
Open the TD app.
Tap "My Accounts" and choose the correct account.
Select the "Details" tab.
Tap "Direct Deposit Info".
Choose "Download Form" to get a PDF copy.
This form is functionally the same as a traditional specimen cheque and can be attached to email forms or printed for hardcopy submissions.
Why Do Companies Still Ask for a Specimen Cheque in 2025?
Even though digital banking is widespread in Canada, many organizations prefer using a specimen cheque for:
Accuracy: It reduces errors when entering complex account numbers.
Verification: It proves that the account belongs to the individual.
Security: Voiding a cheque prevents unauthorized cashing while still sharing necessary information.
Paper Trail: Some HR and finance departments still require physical documentation for audits or internal policies.
Large employers, insurance companies, pension plans, and government programs may still request a specimen cheque for initial setup.
Alternatives to a Specimen Cheque
If you don't have cheques or EasyWeb access, TD Bank also provides alternatives:
Direct Deposit Authorization Forms: Available at any TD branch.
Official Bank Letters: TD can provide a letter confirming your account information.
Online Account Details: Some setups allow you to enter your account and branch numbers manually, but double-check for typos.
Always confirm with the requesting party if they will accept a direct deposit form or official banking letter instead of a physical cheque.
You can visit any TD branch in person and request a direct deposit form from a teller.
Conclusion: Learn More Financial Wellness Tips from Insurdinary
Having quick access to a TD specimen cheque (or an equivalent direct deposit form) is important for setting up automatic transactions safely and securely. Whether you're opening a new job account, applying for benefits, or arranging bill payments, knowing how to retrieve and provide your banking details is essential in 2025’s increasingly digital banking landscape.
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