EFT Flow
TD Canada Trust

TD EFT File Upload Guide

Everything you need to upload CPA-005 payment files to TD. Requirements, format specs, and how to avoid rejection.

Quick facts: TD accepts standard CPA-005 format for EFT uploads. Institution number is 004. Files are uploaded through TD Commercial Banking or EasyWeb Business.

What file format does TD accept?

TD accepts the standard CPA-005 file format for batch credit payments.

File specifications

  • Format: CPA-005 (standard)
  • Record length: 1464 characters
  • Encoding: ASCII text
  • Line endings: CRLF or LF

TD-specific details

  • Institution number: 004
  • Upload portal: TD Commercial Banking / EasyWeb Business
  • Cutoff time: Check with your branch
  • Processing: 1-2 business days

How to upload EFT files to TD

1
Generate your CPA-005 file
From your payroll software, accounting system, or EFT conversion tool.
2
Log into TD Commercial Banking or EasyWeb Business
Navigate to the payments or file upload section.
3
Select file upload / EFT option
The exact path depends on your TD business account type.
4
Upload and validate
TD validates format before processing.
5
Authorize the payment
Complete any required dual authorization.

First time? Contact TD Commercial Banking to set up EFT services. You'll need an originator ID and proper account permissions.

TD-specific requirements

  • Originator ID: Must match your Payments Canada registration
  • File creation number: Unique per file—TD tracks for duplicates
  • Standard CPA-005: TD follows the standard format closely
  • Account validation: TD validates routing info against the Canadian FI database

TD institution number

TD's institution number is 004. When paying TD account holders:

004 + [5-digit transit] + [account number]

Example: Institution 004, Transit 12345, Account 7654321

Common TD EFT errors

File rejected: Invalid format

Cause: Record length not exactly 1464 characters

Fix: Ensure all records are properly padded with spaces

File rejected: Invalid originator

Cause: Originator ID mismatch

Fix: Verify the ID matches your TD registration exactly

Payment returned: NSF or closed account

Cause: Recipient account issue

Fix: Verify account is active and has correct number

Control total mismatch

Cause: Trailer totals don't match detail records

Fix: Recalculate trailer amounts

Finding TD transit numbers

TD transit numbers are 5 digits. Find them:

  • Void cheque: Second set of numbers at the bottom
  • EasyWeb: Account details section
  • Bank statements: Header or account info section
  • TD branch locator: Search branches for transit numbers

Generating TD-ready files with EFT Flow

EFT Flow creates properly formatted CPA-005 files that TD accepts:

  • Standard CPA-005 format: Exactly what TD expects
  • Validation before export: Catch errors before TD does
  • Transit/institution validation: Checks against Canadian bank database
  • Automatic totals: Trailer calculations always correct

Your workflow with EFT Flow + TD

  1. Export payment list from your accounting software
  2. Import into EFT Flow, map columns once
  3. Export CPA-005 file
  4. Upload to TD Commercial Banking
  5. Authorize and done
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TD EFT FAQ

What's the cutoff time for TD EFT processing?

Cutoff times vary. Contact TD Commercial Banking for your specific cutoff. Generally, early afternoon Eastern time for same-day processing.

How do I get set up for EFT at TD?

Contact TD Commercial Banking. You'll need an EFT services agreement, Payments Canada originator ID, and account permissions configured.

Does TD offer test file validation?

Ask your TD representative about test file procedures to validate format before sending live payments.

Need to generate TD-ready EFT files?

EFT Flow converts your Excel exports into properly formatted CPA-005 files. No per-transaction fees. Your data stays local.

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