>Are you liable for fraud committed with your account online?
Not with TD Canada Trust, to an extent:
"As set out in our account agreements, you are responsible for maintaining the care, control and confidentiality of your Access Card number, Connect ID, and passwords. TD Bank Financial Group is not responsible for unauthorized access to accounts online or losses that occur as a result of you voluntarily disclosing your Access Card number, Connect ID, or passwords, or the careless or improper handling, storing or disclosure by you of this information. In the event of loss, theft, misuse or compromise of your Access Card, Connect ID, and/or passwords, you must notify TD Bank Financial Group immediately."[1]
The "Known IP" is a bit more complicated. I was travelling through South America recently, and could always access it from my phone. However, accessing from a hostel or internet cafe required answering a security question.
Not with TD Canada Trust, to an extent:
"As set out in our account agreements, you are responsible for maintaining the care, control and confidentiality of your Access Card number, Connect ID, and passwords. TD Bank Financial Group is not responsible for unauthorized access to accounts online or losses that occur as a result of you voluntarily disclosing your Access Card number, Connect ID, or passwords, or the careless or improper handling, storing or disclosure by you of this information. In the event of loss, theft, misuse or compromise of your Access Card, Connect ID, and/or passwords, you must notify TD Bank Financial Group immediately."[1]
The "Known IP" is a bit more complicated. I was travelling through South America recently, and could always access it from my phone. However, accessing from a hostel or internet cafe required answering a security question.
http://www.td.com/privacyandsecurity/guarantee.jsp