Connect TD to Mozaic: every TD account, alongside everything else.

TD Canada Trust, connected through Plaid

TD connects through Plaid. When you pick TD inside Mozaic, Plaid Link opens a secure, encrypted window and you enter your Access Card number and EasyWeb password there. If your TD profile has the security-question challenge enabled (most do), Plaid Link prompts you for it, and if you use two-step SMS verification, it prompts for the one-time code too, the same steps you'd get signing in to TD online. Mozaic never sees or stores any of these inputs; Plaid returns only a read-only access token.

Once you authorise the connection, Plaid returns a read-only access token to Mozaic, nothing more. Your TD accounts appear in Mozaic within a minute and start syncing on a rolling schedule. Canadian bank connections re-confirm access every few months, and Mozaic shows the reconnect prompt in-app a few days ahead so the connection doesn't silently go stale.

Chequing, savings, credit cards, mortgages, and the TD US accounts

Mozaic reads every product TD exposes through Plaid. Deposit side: Every Day Chequing, All-Inclusive Banking, Unlimited Chequing, the Student and Minor accounts, the ePremium and High Interest Savings buckets, TFSA and RRSP cash savings, and the TD US Daily Interest account. Credit side: Aeroplan Visa Infinite, Cash Back Visa, First Class Travel, TD Rewards, the various USD-billed travel cards, plus personal lines of credit and unsecured loans. Liabilities (mortgages, home equity lines of credit, secured lines) come through with the principal balance and current rate, so your net worth includes the mortgage progression automatically.

The TD US Daily Interest account stays in USD. Mozaic doesn't squash it into a rounded CAD number; it stores the native currency and converts to your reporting currency at the same daily FX rate the rest of the app uses. If you switch the reporting currency, every TD line in the picture re-converts cleanly.

The security question, TD Direct Investing, and US-dollar credit cards

The security question step is the most-asked-about part of TD's flow. It's the out-of-band check TD uses instead of (or in addition to) SMS: pre-set questions like "your first car" or "name of your elementary school." Plaid Link prompts you for it during setup, and Mozaic never sees the question or your answer. If you forget the answer, you reset it inside EasyWeb the same way you would for any other TD-managed setting.

TD Direct Investing accounts are not part of this connection. They live on a separate system from TD Canada Trust and Mozaic reaches them through SnapTrade rather than Plaid. The flow is similar (sign in at TD, authorise read-only access), but the token is held by SnapTrade. Both integrations sit in your Mozaic accounts list and refresh independently.

TD's USD-billed cards (the US dollar Aeroplan and Cash Back variants) are a common source of confusion in other apps. Mozaic treats them as USD-native: balances and transactions stay in USD inside the account, and only the rolled-up net-worth line is converted to your reporting currency. This means the statement balance you read in EasyWeb matches the statement balance in Mozaic, to the cent.

TD sits in a bigger picture once it's connected

TD is the second-largest Canadian bank by deposits, and for a lot of Mozaic users it's the everyday-banking institution. The point of connecting TD isn't to see your TD balance (EasyWeb already does that); it's to see TD alongside everything else: your Wealthsimple TFSA, your Questrade margin, an RBC mortgage carried over from a previous home, the US 401(k) you still hold from a stint south of the border. Mozaic composes them into one net-worth line in your reporting currency, narrates cash flow across the whole picture, and tracks goals against the accounts that actually fund them.

The institution is just the start of the story. The rest is what your money is doing across institutions, and how the TD chequing line moves the needle on the goal you care about.