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TD Bank Review
Interest-bearing checking accounts
Reviews 116
TD Bank
TD Bank
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Reviews 116
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Michael Graw
Nov. 15, 2022
2 min read
Michael Graw
TD Bank summary
TD Bank bills itself as ‘America’s Most Convenient Bank’ and that slogan rings true. The bank offers online and in-person checking and savings accounts, plus credit and debit cards, loans, retirement accounts, and more. TD’s mobile app offers features like anytime check scanning, bill pay, and money transfers. Plus, TD has over 1,300 physical branches.
Pros
  • Wide range of banking services
  • Physical branches are open 7 days a week
  • Supports mobile check scanning and transfers
Cons
  • Most branches are on the East Coast
  • Lower interest rates than competitors

TD Bank TD Bank Visit TD


Advantages Over Traditional Banks

TD Bank combines many of the benefits of online banking with the infrastructure of traditional banks. This bank offers a variety of products, including checking and savings accounts, personal loans, mortgages, IRAs, and credit cards, all of which can be managed online or through the TD Bank mobile app. 

At the same time, you have the option to visit more than 1,300 physical bank branches, the majority of which are open 7 days a week. TD Bank also offers 24/7 customer support, so you can get help with your account whenever you need it.

Cutting-Edge Banking Services

TD Bank’s mobile app enables you to deposit checks at any time simply by scanning them with your phone. You can also use the free mobile bill pay center to pay all of your bills online, including the ones that require TD Bank to mail a paper check on your behalf. Of course, the app also makes it simple to transfer money between your checking and savings accounts at TD or to any other TD Bank accounts.

 Traditional Banking Services

TD Bank was a traditional bank before it moved into online banking. This bank has over 1,300 physical branches, although most of them are on the East Coast. The majority of branches are open 7 days a week and for extended hours, making it easier to visit if you work during typical banking hours.

 TD Bank also has nearly 2,000 ATMs on the East Coast. Depending on your account type and current balance, the bank will even reimburse you if you use a competitor’s ATM.

 You can use TD Bank for more than just checking and savings, too. The bank supports personal loans and mortgages as well as IRAs. In addition, TD has several reward credit card options.

 Interest Rates and Fees

TD Bank has a variety of different account tiers, which can make it slightly confusing to get started.

For checking, the options are:

  • Simple account: comes with a $5.99 monthly account fee and no balance requirements.
  • Convenience: has a $15 monthly account fee, but it’s waived if you keep a balance of $100. 
  • Beyond: also has a $15 monthly account fee, but it can be waived if you have a balance of $2,500 or receive direct deposits totaling at least $5,000 per month. 

The advantage of the Beyond account is that you get 2 free overdrafts per year, reimbursed ATM fees, and 0.01% interest.

For Savings, the options are Simple, Beyond, and Growth. All three have a monthly account fee of $15, but it is waived if you link a Beyond checking account. Interest rates start at 0.01% up to $20,000.


Monthly Fee
Key Benefits
Simple Checking
$5.99
No balance requirements
Convenience Checking
$15
Waives account fees
Beyond Checking
$15
Reimburses overdraft and ATM fees
Simple Savings
$15
Low minimum balance
Beyond Savings
$15
Reimburses ATM fees & tiered interest rates
Growth Money Market
$15
Tiered interest rates

Customer Service

TD Bank offers customer service over the phone 24/7. You can also visit a physical branch to get help with your account.

 Phone: 1-888-751-9000

 Mobile Apps

TD Bank’s mobile app is a key part of the online banking experience. It offers instant check deposits, seamless money transfers, and a mobile bill pay center. You can also link your debit or credit cards from TD Bank to manage all of your finances in a single place.

 Security

TD Bank offers two-factor authentication and fingerprint authentication to enable you to securely log into your account. You can also lock and unlock your debit or credit cards in seconds from the mobile app if they’re ever lost or stolen. TD Bank also sends SMS or email alerts whenever there is unusual activity in your account.

 Summary

TD Bank combines the qualities of both physical and online banking. This bank offers a wide variety of services, including checking and savings, loans and mortgages, IRAs, and credit cards. If you live on the East Coast, you can take advantage of TD’s 1,300-plus branches. 

 TD doesn’t offer the most competitive interest rates if you have a small account balance, but we appreciate that it’s easy to waive your monthly account fee and take control of your finances through the mobile app.

TD Bank TD Bank Visit TD

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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TD Bank
Poor
Reviews 116
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Excellent
3%
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5%
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Poor
6%
Bad
83%
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nick chang
3 months ago
Very helpful customer service team.
Very helpful customer service team.
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joanne
4 days ago
The new branch in Lady Lake by the…
The new branch in Lady Lake by the Goodwill, holy moly! Never go there. There was 1 person in front of me, waited 1/2 hr. Finally I get up there and the woman at the counter says i can't make a deposit in my business account bc i don't have a personal account. What?? I've been doing for 5 yrs. This branch is closer so i went there. She "let" me deposit this one time, says she's putting a note on my account that i cannot do again. Just don't go there, it was a mess. Noone knew what they were doing. I realize it's new, but geeezzzz get people with some experience.
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mary degiovine-robins
20 days ago
Don't Waste Your Precious TIME!
Please do not waste your time with their customer service #: 1(888) 751-9000 or 1(800) 937-2000. Called both and waited over 30 minutes, ended the call by hanging up with no person answering! THIS IS HORRENDOUS CUSTOMER SERVICE! Is this posted on the website? IT SHOULD BE! Let's be transparent as possible!
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elmahdi oummih
22 days ago
A customer service representative…
A customer service representative actually got out of his chair and took a fighting stance with me this morning. If not for the security guard putting his body in front of him and blocking his way, I believe he was going to attack me. This tells you everything you need to know about this branch.
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greg
a month ago
Chose any bank besides TD bank
Signed up from a mailer promising a $200 bonus after requirements met. Communicated multiple times with customer service regarding this bonus, never was told I was not eligible until 180 days pass and I still was not credited. Online form was not responded to so I called only to be told I was suddenly not eligible even though all requirements were met. The “manager” was rigid and unwilling to work with me even though it was 100% their mistake. This was the last straw, they have been a horrible bank from the start. New customer deposits are held for over 2 weeks before clearing. They do not allow you to link an external bank to transfer out of TD account, only transfer into and within their accounts. The list goes on and on. There are so many banking options out there you would be better served by almost any other choice. Recent headline from Miami Herald reported a TD bank manager found guilty of defrauding the government from COVID relief funds, pretty much sums up their ethics.
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mike
a month ago
TD Bank HELOC - Dishonest, Poor Service, Immoral
We have a TD Bank home equity line of credit that we used to put in a new deck. One of our contractors deposited the incorrect amount on a check back in March 2022. 6 months later TD Bank went in and changed the amount and it went over our line of credit limit. First off, TD Bank told us we could never increase our line of credit limit without reapplying for a loan again from the beginning, yet when a contractor check is entered incorrectly, they have no hesitation in going over your line of credit and adding it to your bill. I told them I could pay the overage, but not all at once since it was roughly $2,500 and it was the holidays. The rep on the phone put me on hold for about 5 minutes to see if they could do a payment plan and she came back and said "No." So I told her I could pay this off in amounts of $400-500 each month. She said they would note the account and to pay off what I could. Well, they barely gave me anytime. Instead, they called multiple times a day, every day at work, right at 8:00 am! Even on Christmas Eve they called asking to pay the full amount. Without any message or notice they reported my payment as late. Which ended up dropping my credit score from a 720 to 630! Terrible customer service. They don't care about their customers. They didn't even give me a chance to pay off the amount. The rep I talked to said one thing and their action was another.
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lisa d
a month ago
These gift cards are terrible
These gift cards are terrible. I have called so many times because the card keeps getting declined and it does not. found out today you cant use it at resteraunts customer service is clueless. I have now waisted more time then its worth. So agitated!
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vincent rivellese
2 months ago
MIsleading information and unresponsive customer service
I was short of funds after divorce and my mom loaned me $1000 to deposit into a joint account I have with her, by check. I deposited the check remotely and on the screen it said that funds would usually be available in one business day. But this was ten days ago, and after one business day, the bank put a hold on the deposit and mailed me a PHYSICAL LETTER telling me they were holding the funds because their fraud department suspected my mom's bank from which she wrote the check would not pay it. However, I did not even RECEIVE this letter until AFTER my mom's bank had paid the funds to TD and I had called TD to ask why, since the funds were released to them, they could not be made available. TD kept transferring me to other departments to apply for them to release a hold on funds they had received days before. Ultimately, they never gave me the courtesy of a response much less an explanation why the funds were not released to me even after they received them. And today, the seventh business day after they told me there was a six business day hold -- and the day they told me the funds WOULD be released to me -- they are still on hold and I called again. Now I am told it will be tomorrow. A full week or more after the funds were released to them, and longer than I was promised. This is so unprofessional and disruptive, and wasted so much of my time. I will be going to a different bank.
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earl
2 months ago
levied my account without a court order
i checked my account on friday december 9 and it was my black friday, without notice , my bank went from thousands to minus. The bank levied my 2 accounts. They said I should call the lawyer who did it. I called the lawyer and he told me to call his client. The client lent me money. Due to a default, they used prejudgment from connecticut and hijacked my account without even a court order. I am now in federal court trying to get justice. There is no such thing as due process. One day you are rich, next day you are poor. This is TD bank.
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jerry crouse
2 months ago
I've gotten gift cards at TD Bank every…
I've gotten gift cards at TD Bank every holiday season for 12 years. I went into my usual branch to again purchase gift cards only to be informed that they were discontinued in October without notice or explanation. It seems that this is just another customer convenience that TD is eliminating. When they originally purchased this banking system from Commerce, they seemed to have tipped the scales in their favor with the coin counting machines that were available at each branch. They've since discontinued them at all branches after having to pay thousands of customers an amount determined to have been cheated from each. Now this. For a bank who claims to be "Americas Most Convenient Bank", they are becoming more and more Americas least.
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taheer zaman
2 months ago
Absolutely crap
Absolutely crap, waiting months and months to move my share out of this bank
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ken s
2 months ago
Too Easy For Criminals To Get A TD Bank Credit Card
I never heard of TD Bank and their branded Samsung credit card until spotting a new account on my credit report. A thief used my name and good credit to buy $3868 of stuff from Samsung. I get that lenders walk a fine line between making their applications too onerous and making it too easy to open a fraudulent account. However, you would think they could have verified that the address, phone number, and/or email on the application were known. Any one of these things would have been an improvement. I'm still cleaning up the mess made when a criminal stole my identity and TD Bank allowed it to happen with their toothless identity verification. So it's safe to say I'm not a TD Bank fan.
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kiuomars kiarashi
3 months ago
Incompetent Banking Operations
Imagine you are reviewing your account online and see a large transaction debited to your account that you are not aware of. You contact the bank and it takes about 2 hours for the bank to find out the reason for the debit. Then the td bank representative tells you that td bank failed to collect the money from the other bank when you deposited a check about 6 months ago. So, now the td bank is debiting your account and asking you to go back to your client and collect the money. You ask the bank why you did not inform me 6 months ago when the TD bank did not collect the money and waited 6 months. The bank representative replies, I do not know. This is what happened to me today. Imagine you go back to your client after 6 months and let the client know that TD bank did not collect the money and the client should give you the money now. What if you cannot find the client or client refuses to give you the money now. On top of that you deal with a rude and unprofessional representative at the branch. In the end you are on your own for their mistake. It's amazing that they can take money out of your account without even letting you know. This could damage your payment relationship with your creditors, when you are keeping enough in your balance to pay your bills and suddenly the bank decides to withdraw money from your account without informing you. This is a disaster. Please , please avoid working with TD bank.
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pbaf
3 months ago
The lesser of the evils
I haven’t had any exceptionally good or bad experiences with TD Bank. They are one of three banks I utilize. The positives: extended hours, convenient locations, international banking, easy use of online portal, variety of accounts available and ways to avoid monthly costs, free notary services for account holders. The negatives: it seems all staff are either new, unknowledgeable, or unwilling to help.
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d&d feliz
3 months ago
I have been banking with TD for close…17 YEARS
TD BANK Location: 3785 N Federal Hwy Oakland Park, FL 33308 I have been banking with TD for close to 2 decades and I have never been made to feel so uncomfortable. I needed a few checks as I am purchasing a gift for my wife and before I can get the words out the answer was NO. Then when I finally said please confirm the reasoning provided after much push back from the teller and manager Hayley, they still denied me the temporary checks I needed. It's not the process or the rule which is NEW because I have many times received temporary checks from this branch as I respect that. It is the condescending tone and apparent glee for them to tell me no checks will be provided. I then opted to get a cashier's check and literally was interrogated about my accounts and a transfer I did this morning after I already confirmed my identity at the start via DL as well as debit card which worked against me as I had to explain where and when my accounts where opened and ironically that is why they could not provide temp checks. The manager Hayley needs to know better and try to be nice to every person that comes in there even those like myself that are on the tan side. I will never go back to that branch and have it in my mind to move all of my 6 accounts to another bank that will value my 20 years of patronage. Treating customers with contempt in any capacity especially masked as customer service with a fake smile is still contempt. I will not be banking at this location again.
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jean-philippe blondin
4 months ago
Horrible
Horrible. La pire banque au Canada. AUCUN mais AUCUN respect pour le client. Le service à la clientèle ne fait aucun suivi, te raccroche au nez et te renvoi a un autre département. Ça ne fait que se lancer la balle et à chaque appel ou message tu recois un information différente de la précédente. Si vous voyez ce message avant de vous joindre à TD, faites moi confiance et fuyez! Ne leur donnez pas un centime, ne faite pas un prêt avec eux. Vous en sortirez perdant. Ils agissent comme des voleurs. Le gouvernement devrait faire quelque chose c'est vraiment incroyable de les laisser allez ainsi.
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isy
4 months ago
Worst Bank- No international services offered.
The only way to do international transfer is to walk in a Bank in person. This is outrageous! We trusted TD to help us in an international relocation from Canada to Australia. We are now in Australia and the only service TD offers for international transfer is to come to a Branch in person to do it. I am so gutted to have trusted this Bank. DON'T.
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brandonp
4 months ago
Just the worst
Just the worst. Stuck here due to them buying my mortgage. Horrible service, horrible online banking. Avoid if possible.
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occidental realty
4 months ago
I started with TD Bank for My Business with AUTOBBOKS too
I started with TD Bank for My Business... They have a "relationship" with AUTOBOOKS. I LOVED it to start with, loved it!! :-) Right now, I am waiting for a Conference Call that was supposed to start at 2pm.... as AUTOBOOKS claims that Our Clients Money of $5k is in the Account - well My Business does not show this... and this has been going on for 6mths!! We have a Restaurant as a Client - and they basically have NO INSURANCE from this mess... dang, TD and AUTOBOOKS - and yep - still on hold right now... 15mins for Our Call at 2pm.
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justin broadnax
4 months ago
Always have a good experience
Never have had any problems at this bank and I have been with them for over 21 years. First bank account from my very first job. Always have a good experience with multiple branches but I usually do most of my banking online!
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cole christine
5 months ago
MY ONLINE ACCESS
I WAS TRYING TO LOG IN MY ONLINE ACCESS BUT I CAN'T GET LOG IN
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frank
5 months ago
Khaleel Watkins the branch manager…
Khaleel Watkins the branch manager should be fired for his absolute incompetence. After mailing 6 different debit cards to multiple wrong address they randomly decided to close my account. This idiot shouldn't be trusted with your money. Worst customer service ever. Any other bank would be better. Khaleel Watkins is the branch manager at the medford, nj locations and never ever trust this moron.
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sam lg
5 months ago
Would not recommend
They greatly reduced my line of credit to just slightly above my balance because they said I wasn't paying my card off "fast enough." This caused my credit score to drop quite a bit. I'll now pay it in full and will never use TD again. Would not recommend.
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selena
6 months ago
This is a very bad bank
This is a very bad bank. The lines in the branches are long. They never have sufficient currency to exchange, so this takes weeks for simple USD and Euro to get. Their Visa cards servise I am now on hold for 45 min on their 18008938472 phones ( August 17, 22 9.35 am) with silly music and no movement and I have a simple question about my visa card where the payment was declined for my hotel in Europe trip. I have a great credit score and a large credit limit, money on my accounts and I am their customer for 15 years but they simply ignore customers and waste their time. Would they payback for my time per hour? I seriously consider changing the bank in the future. Any suggestions from customers?
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ryan hartley
6 months ago
Was my favorite local bank
Was my favorite local bank, but they blocked my online transfer without a reason, I followed the agent request validated my info in branch, but after they submit the smart form and my account online transfer still get blocked, and they say I can continue to use bill pay and debit card, but can’t use online transfer anymore, which is ridiculous 😡
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andrea ranfagni
6 months ago
Mr Shriram genuine help.
I had a problem with TD Finance about the lien release for my car. After several attempts with their support centre, no one helps me out. I walked into the TD Bank in Van Dorn Alexandria VA and met the assistant Vice President, Store manager. I explained my issue, and despite the TD Finance was not part of their competence, he showed great empathy and a genuine willingness to help me out, and in just three minutes he solved my problem by making them send the letter through its branch fax number. People with the right attitude like him make any business successful. Thank you so much, Mr Shriram. Great job!
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blaine lawlor
6 months ago
America's most convenient bank? So not true!
I opened an account, the bank closed it. I opened another account again closed. Third time I was allowed to open an account. Now can't get into it. Called customer service and they say I need to go to a Canadian TD branch as they can't help me. I do that, again I can't activate my debit card. Call again, again have to go to a Canadian branch, they say all is good. I try activating again and calling again with the answer that again I need to go to a Canadian branch to prove my identity. Today, I will do this a third time. Is this bank really, the most convenient bank? I think not.
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don andrews
6 months ago
I called TD Bank to report a scammer…
I called TD Bank to report a scammer using there bank with fake name and number. They were not interested I even have the transaction number and name of the scammer and they acted like they did not care
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caren
6 months ago
I think your gift cards are a racket
I think your gift cards are a racket. I have several gift cards that were unopened. When I did open them to check balance, i was told that there is a $2.50 monthly charge so the cards had zero balance even though they hadn’t expired. So essentially, someone buys a gift card and you take the money back. I will tell people to not buy your cards.
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kayleigh b
7 months ago
America's most time-sucking bank
I was a customer starting in 2012, and I started to transition away from using my account there because the perks at competitors were much better. I maintained my checking account with TD Bank with a low balance and a few small recurring charges and my TD Bank credit card until earlier this year when someone in Ghana tried to charge multiple purchases to my credit card. TD Bank wanted me to be liable for that. They have a "the customer is guilty until proven innocent" policy with fraud, it appears. I had to complain to the consumer protection bureau to get that series of charges removed. That was the last straw. I closed my bank account and line of credit with them. There are also usually 2-3 hour hold times when calling them. My entire experience with this bank, looking back, was stressful, time-consuming, and the exact opposite of how they advertised themselves.
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muhammad naeem
7 months ago
STAY AWAY
STAY AWAY - TD Bank can't make a quick decision on yes or no for loan - keep clients in limbo, and it's a waste of time. It takes weeks to receive a reply from them, then you submit documentation, then you receive another email after months that your documents expired, we need new records, and I am still waiting for a reply.
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andrew henry
7 months ago
Bank elsewhere.... Do not trust this institution with your financial matters!
If you want to call and speak to a robot only to have to be transferred to a rude foreign customer service representative, this is the bank for you. This is by far the absolute worst bank you could ever deal with. If being treated horribly is what you look for when completing banking matters this is the bank for you! Horrible experience that I do not recommend to anyone.
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michael carr cpa
8 months ago
Tried them out for a month after…
Tried them out for a month after Citizens bank dropped Quicken Direct Connect. Their Online services are antiquated - Alerts are none existant. Customer service in sub-sub-sub par with arrogance being the the low end and incompetence the high end. Security is laughable as the security questions are predictable , password security is rudimentary at best and not current NIST standards. Overall a bad joke. The 91% poor and bad rating are overestimating this banks capablity. I am outtie.........
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cholotto@yahoo.com
8 months ago
VIOLATE consumers & laws
VIOLATE consumers & laws Bad service Bad customer service
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john stratis
8 months ago
I applied for a construction loan after…
I applied for a construction loan after having been told that TD would give the best offer. Quite frankly they are too understaffed to provide the service that they should. After months of supplying records that they requested and being transferred from one agent to another I was told that the underwriters would not accept the loan because it was on a farm. The people handling my application should have known this from the beginning. Very dissatisfied. Had to quickly find other source for home construction mortgage.
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nadia
8 months ago
I haven’t had any issues here
I haven’t had any issues here. The app can be slow and is simple but otherwise good
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michael diarchangel
8 months ago
THE WORST BANK EVER!
This is the worst bank to do any kind of business with! Went in to open a business account it was a complete waste of time. I went in 3 times and they kept asking me for different paperwork each time I went in. Finally had enough and went to Chase! What a difference with Chase was in and out in no time at all. My son received a TD Visa card for Christmas and we didn't use it for more than a year. They started deducting $2.50 per month for in activity. What a joke! That is basically stealing your money! Stay away from this BANK! Horrible!!
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sandygrrnj
8 months ago
AWful awful awful
AWful awful awful. Website sucks!! anytime they make changes they make it HARDER and LESS convenient!!! Worst bank ever!!
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david bock
8 months ago
Extremely poor customer service
I recently went into the TD Bank on Royal Road in Flemington NJ to cash checks that have been given to me. I do not have a TD account. Twice I went to this branch in the last two weeks and I was not charged a fee to cash either of the checks. Today I went to the same branch with another check and I was told there would be a fee. There was nobody in this bank except for the teller behind the counter and the manager sitting across the room at her desk. The teller said she would talk with the manager and started emailing her. I could see the manager across the room looking at her screen. Of course I don’t know what they were saying to each other… Anyway the manager emailed a response saying to charge the fee. This fee would’ve been $10 which was well above 10% of the total of the actual check. I find it ridiculous that they would need to charge a fee to cash a check for somebody even if they don’t have an account but I also find it incredibly ridiculous that these two were emailing each other when the manager was right across the room. She was not on the phone and as I said there was nobody in the bank. So how busy could she have been if she could immediately read the tellers email and respond to it? This is a manager who could not even be bothered to get up and talk with a customer… This is customer service at its worst! As I said, I do not have a TD account nor will I ever…
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k nguyen
9 months ago
TD Bank online transfer services with external banks ALWAYS failed
TD Bank online transfer services with external banks ALWAYS failed, in my experiences.
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mary ann balancia
9 months ago
The website always has a problem
The website always has a problem. So frustrating. I’m changing banks.
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janet
9 months ago
Allows Unethical Merchants to Scam You. TD Bank Closes Disputes and Won't Side with Customers!
I don’t recommend this bank at all. After being a customer of 10+ years, 3 accounts and 1 credit card, I decided to close all my accounts with TD Bank. I’ve never experience such horrible service, policies, systems, tech, everything! I’ve had numerous problems with them in the past which I won’t mention just to keep the review shorter but their system is disorganized, tech is outdated and performs poorly, they charged my accounts fees after fees despite saying they were waived for specific conditions, etc. I was like ok, stuff happens, whatever. Some of them were solved, most of them, they won’t admit they’re wrong, and when it came to their TD Bank Visa credit card, don’t expect any sort of support. What drove me nuts last was dealing with their credit card dispute team which are incompetent on all levels of existence and the bank itself instates ridiculous terms that basically lets you get defrauded by unethical merchants. I avoided using my TD Bank CC for years but because the last two transactions I wanted to make had merchants that didn’t accept Discover or AMEX, I used my TD Bank Visa thinking if anything should happen, they would defend me. I was wrong. First time, I was scammed by a con artist or “fake guru” who claimed to be an expert in his field. I paid thousands of dollars for his service and he didn’t deliver what was advertised nor was it delivered at the time they claimed (which was 6 months to 1 year). Then, they didn’t respond when I asked for a refund several times. I tried to dispute the charge with TD Bank but TD told me they can’t help me because it was past 120 days. Then they asked me for documentation which I was fine with but then they asked for the agreement I signed with the merchant, which to me was a clearly a misleading clause. The fake guru was exposed openly as a con artist on the internet so why would the agreement I signed even matter if it was written purposely to defraud me? It was clearly fraud and had 100s-1000s of cases, experiences and evidence of it being so. But TD Bank’s dispute team claimed they wouldn’t win the dispute because of the agreement I signed. So basically, there, I already lost over $5000 for nothing. Second time, I was scammed by a travel agency who refused to refund me for a trip I made where I couldn’t go due to COVID-19 restrictions. I again, filed a dispute with TD Bank after failing to communicate with the merchant for 3-4 months prior. TD Bank’s dispute team first closed the case, lying about me not submitting documentations when they never asked for them, then I had to call them reopen. Wasted hours and hours trying to speak to customer service online and also at the branch. They told me I’d have to wait for a possibility of the case being reopened (as if it was my fault it closed?) When that happened, they suggested I FAX evidence/documents to them which was beyond ridiculous since they don’t have an email for this either??Ok so I did that. Then, they again closed my case, this time claiming there was no “billing issue” which was far from what the dispute was even about. So I complained on social media and BBB. My case was escalated on both those venues of complaints but I was told the same thing. “Work it out with your merchant” and that they can’t do anything about it. That dragged for around 3 additional months. Other people I know who had the same situation, called their banks or CC company and got their money back within days regardless of what lame excuse their travel/booking merchant made. After all this stress in addition to losing over $6000 because TD Bank wouldn’t defend me, I would never bank with them again. Keep in mind, both of these transactions occurred only a year apart and it seems unethical merchants would do anything to take advantage of innocent customers while COVID is actively an issue. This should’ve been obvious to TD Bank with everything going on but apparently not. I’ve already told all my family and friends to cancel their service with this bank, so far, two people did it and I hope this helps others make a judgment.
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pl
9 months ago
Did a wire transfer at my local TD
Did a wire transfer at my local TD. The first of two went successfully and quickly. The second, no indication it got done within a week's time. Tried phoning the branch but got into that stupid long telephone call tree - absolutely useless customer service and long wait time....cannot get the local phone number for the branch! Do I need to drive down and be in person to get any actual help? Also waited for over 14 minutes and still got cut off. Then had to start all over again. Negative 5 stars.
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alexander medina
9 months ago
I was trying to get help
I was trying to get help in burnaby, there was this one man with glasses of east-asian descent, I believe his name was Daniel? I tried to approach him and he completely ignored me, give me a rude look, and walked passed me. He went and proceeded with another customer. This was horrible customer service experience... I feel like he racially profiled me, just because of my appearance and my Latino facial features. I have been a customer here for 4.5 years and I feel like they only treat asian and white descents with more respect... There needs to be more proper training for customer satisfaction.
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lamar scrapper
10 months ago
So all they say when you try to open an…
So all they say when you try to open an account is "Hold The Line!!! The Government Is Communist! CBC Stands For Communist Broadcast Corporate!!!!!!!!" Please stop training people to be idiot truckers or bikers.
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craig ro
10 months ago
Do not do business with bank
Do not do business with bank. Customer service, website and products suck. Very difficult to deal with and use applications. It’s like dealing with a foreign country. I going to end up closing my account. They are not a technical savvy company actually more third world!
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kmo
10 months ago
I filed a credit card dispute
I filed a credit card dispute. Contacted the dept, provided my facts, they said it was all they needed. At the same time they sent a letter stating the case was closed because I didn’t respond. After several requests, they advised that my case was reopened and required me to fax the claim info. This fax cost me $45! Then they said the case was never reopened. The mgr said she will listen to the phone recording, and discipline those who were negligent….but would not reimburse me for the fax or open the dispute. I will cancel the card.
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snedden gonsalves
10 months ago
Had a credit card
Had a credit card , which I wanted to close. so I called them and said so , they said they will 'lock' it for now. I assumed that mean no one can charge it now, so I discarded the card and thought to myself won't ever need the card and login again. 6 months later , I get a mail saying I am due 100 dollars on the card. Apparently I had a recurring transaction on it . So I called them again, this time they explained a locked card still incurs recurring payments. Mad, I paid off the balance but they where kind enough to void the late payments(atleast thats what they said) Three months forward , I got another mail saying I am due 100 something dollars. This time when I called them they said it was carry forward balance and missed payment on it(not sure how I had any balance left, but apparently I did and they charge late payments on it). I was so mad , didn't even want to argue , I paid the balance. I am apprehensive they will send me and late payment thing again, so trying to log in to my account but I can't since the forgot username needs full account number which I don't have since I tossed the CC. Don't really want to call their customer service. Don't ever use this card.
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najam saqib
10 months ago
Bad customer support
Bad customer support. Had to call 5 times for one minor issue but the issue wasn't resolved. The average call wait time was 20 mins. Once it asked me to leave a voice note for call back but message box was full so call got dropped. The transaction was failing due to an error at the bank's end and they never bothered to investigate. Moving on now to some other bank.
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cormac
10 months ago
Company is milking their last reamining…
Company is milking their last reamining customers, I left Canada and had my pension paid to TD, now to get it moved to Europe TD suggested I send it in small increments with their crazy high priced "global transfer" or take out my pension with my debit card at an ATM..... Unwilling to help transfer to another canadian account only if I fly their in person...during Covid...Unbelievable
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allison
a year ago
Great bank so convenient opens on…
Great bank so convenient opens on Sundays.
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douglas
a year ago
This bank is the worst in the US
This bank is the worst in the US. They hate veterans, and find ways to literally steal one's money. I would NEVER do business with them!!
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jfinnigan
a year ago
TD Bank Total Disaster
Truly a fee driven bank at fast speed and they really are unscrupulous about how they return checks, totally illegal as far as I’m concerned, not surprised with all the notices , I get from law firms about class action lawsuits against them, as soon as I get a new account I most likely will be gone!Stay away as these are bad Canadians! Go home!
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bcf
a year ago
Not sure why they have branches since…
Not sure why they have branches since everything has to go through head office. They lost paperwork for my mortgage renewal causing some last minute issues. After admitting it was their mistake, their concession was to offer me some type of a bonus if I recommended them to a new customer. SMH Best advertisement for any other bank.
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dick
a year ago
Not an anti-vaxxer but…
Not an anti-vaxxer but companies should stay away from politics in general, let alone support government oppression.
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carrie
a year ago
I closed all my TD accounts today
I closed all my TD accounts today. I will NEVER use a bank who decides to play politics. Keep in your own lane. Shame on you, I'm disgusted
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nadine hibshman
a year ago
TD bank is nothing but a band of…
TD bank is nothing but a band of thieves. Do not trust them!
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marti ketelsen
a year ago
Snarky Assistant Vice President In FL TD Bank
I read that TD froze 1.1 million that was to go to the Truckers in Canada. I was furious, with this. I went to my local TD bank to pull out and closed my savings account. It was enough in the account for them to take notice. The Ass. Vice President grilled us, criticised me that I didn't get my facts straight, blah blah. She kept on trying to criticise me about the bank I'm using, "is not in line with my political affiliation either." She suggested a credit union in our area. She kept on trying her little digs. The worst treatment. Good bye TD Bank.
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glenn
a year ago
Their adds misled me
Their adds misled me, I thought they were a bank but it turns out they are just punk boys for the politicians.
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teresa wieczor szczerbowicz
a year ago
You freeze peoples money
You freeze peoples money. I grew up in a communist country but what I saw is now happening in Canada. This is what dictatorships do and this bank acts in the same way.
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c&j b
a year ago
Utterly disgusted to see that TD bank…
Utterly disgusted to see that TD bank went out of their way to assist the gov in freezing accounts of Canadian citizens; a partisan move. Hundreds of thousands will never use TD bank again. We aren't terrorists were vaccine injured etc with no voice. Shame on you.
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maria
a year ago
Thieves freezing your money
Thieves freezing your money
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sandra
a year ago
TRAITORS - HONK!!! HONK!!!
TRAITORS! STEALING FUNDING FOR THE TRUCKER CONVOY - Bharat Masrani is a World Economic Forum (WEF) alumni and should be dragged out onto the streets for his betrayal of Canadians. I'm pulling all business from this sh** company, if you think they won't steal your money next when it suits them, you're delusional. HONK!!!!!
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graciela paz dherani
a year ago
Worst customer service
Worst customer service, nobody picks up phone in the branch, left few messages no response, they don't try to help with your issues, rude employees I will be taking my account to other bank. I was on the phone for 45 minutes before someone picked up to tell me that they cannot help me with my business account issue.
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coffee
a year ago
Someone steals my credit card and…
Someone steals my credit card and unlike any other bank I have dealt with, they re-issue a new card out of state to the thief, and then call me when the payment is in collections. Please call the thief you sent the card to 2000 miles away from the applicants address! It is now on my credit report that I did not pay the balance. After 2 hours on the phone and speaking to 7 people they say they can't help me get the negative report removed. Thanks TD
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randy oq
a year ago
The worst bank I have ever had the…
The worst bank I have ever had the displeasure of dealing with. FEES, FEES, FEES.. They would fee me if my deposit was too much, they would charge a fee if my deposit was too little. They fee you for every little thing and then try to give out stupid little gifts that I have already been charged a fee for any way. Their credit card interest is way too high, almost impossible to get it paid off. NEVER AGAIN.. I went to a smaller local bank and I am very happy. NO FEES!
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avi fleischer
a year ago
After the nightmarish experience I've…
After the nightmarish experience I've been having with TD Bank, I can say with 100% confidence that they are America's LEAST convenient bank. Do yourself a favor, avoid the hassle, find another bank.
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sanda bean
a year ago
Beware if you exhaust your 5 attempts…
Beware if you exhaust your 5 attempts to try to login to Online Banking; you get locked out and have to call their Customer Service number: They do not ask you normal security questions such as your SS# and other personal questions to verify you. Instead, they ask you if they can access your credit report; If you agree, they ask you trick questions about previous residences and car ownership from 25-30 years ago. I answered correctly in regard to a residence and a vehicle I owned, but then was asked what kind of license plate I purchased for it --and none of the choices sounded right. He pressured me to go with one of the choices or he would not be able to unlock the TD Online Bank site for me. I got the (license plate) wrong and I was blocked out. He said I would need to go into a TD in person. But I had already been in the bank that day complaining about not being able to log on because I did not have a copy of my checking account #. Now I had it, went home, and go figure, it did not work. I called back Customer Service a couple of hours later, another attendant did not even go to the credit report questions and said there was nothing she could do to help. I called Canadian Customer Service customer complaint numbers (even though I live in the US) and was connected to so many different attendants and looped back around without anyone being able to help me, once even disconnected (from their end). I just opened my TD account a couple of months ago and I am so ready to go back to Wells Fargo.
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morocmoronplus
a year ago
tdbank + xoom accounts blocked by their roboblocks
tdbank + xoom accounts blocked by their roboblocks I tried to use/pay xoom and both td bank and xoom accounts were blocked, by their defective robo-blocks Account blocked again, since their bot, does have some psychological problem with everything that is related to the internet and web in general Why do they want to operate on the internet if they are unable to operate on the web? Perhaps they simply like to waste our time they Are specialized with robo blocks only
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wen just wen
a year ago
My real rating is -1000 stars
My real rating is -1000 stars. Worst bank ever. Duplicitious, bordering on criminal. My mother had dementia and Alzheimer's, and the Wyckoff, NJ branch assisted my mom's live-in caregiver in defrauding her and stealing from her TD accounts. When I finally arrived in town to investigate, they clammed up and threw up every possible barrier they could -- including dragging their feet giving my mom and me documents we were entitled to and not accepting my mother's signature *while she was sitting their in their offices with me*, upset at what had happened to her. They used every delaying tactic at their disposal, made us jump through hoops, unnecessarily required the involvement of my mom's attorney to validate her signature even though she was sitting there right in their offices and signing their forms in front of them, and had us go back-and-forth with their legal department with no progress. They stonewalled and disavowed all responsibility. They're liars, cowards and crooks. The only possible reason I see for their continued existence is that, like Starbucks, there seems to be one on every corner and so there's always a branch nearby. That's not a good enough reason to do business with scum. Caveat emptor. You've been warned.
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thomas houlahan
a year ago
Worst bank on earth
Worst bank on earth. I can find nothing positive to say about it.
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david lee bls
a year ago
the one in the southern artery in…
the one in the southern artery in Quincy is fantastic they make me hot chocolate in the winter time they got a cool device so you can get the spring water right out of their water cooler for customers... They have the cleanest toilets in Quincy... Right across from the stop & shop in McDonald's which have the filthiest toilets in Quincy. Quincy Mass is the land of the two presidents! if you have Santander switch to TD because you walked in the door with an account they give you the card and then activate your secret pin number right there in the store! I gave them a 6 Leland The Pain.lol
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michael canlas
a year ago
account got compromised
account got compromised, okay too late for me to noticed and report, that's okay, they denied all my claims, but didn't even offer to waive at least the fees I got charged because of the unauthorized transaction i
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eve richards
a year ago
No bank is perfect
No bank is perfect. They all have annoying policies when it comes to overdrafts and other issues. At the very least, TD is a bit more open when it comes to weekend banking and is a little more convenient. That's not much, but it's something.
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david
a year ago
Horrible! Theft Even After Replacing Card
Horrible! Changed cards per their recommendation because of unauthorized charges and even after I activated the new card the old bank card is working 50% of the time and got the same charges. How can people bill an old bank card 50% of the time! Support? A joke! Doris at Hallandale beach branch is a sirene.
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rosalia hoover
a year ago
the worst bank ever
I, fortunately, close my account, and I m so happily I did, the dispute team they are VERY unfair. I just don't like the bank at all.
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jess matulavage
a year ago
TD Bank is an absolute joke!
TD Bank is an absolute joke!! My family has been banking with them for over 17 years and the underwriter couldnt even approve my home equity line of credit EVEN THOUGH I WAS PRE-APPROVED for it before hand! They denied the loan because I was late 3x on car payments FOUR YEARS AGO!!!! I got my credit up 150 pts so my crdit is GOOD. THIS BANK IS TERRIBLE!!!!!!!!!!! We needed a loan on our house ( even though its FULLY PAID OFF) to fix our bathroom thats over 50 years old. So now we are basically (S) out of luck thanks to the underwriters. And $35 for overdraft fees and $3 to use other atms ON TOP of the regular ATM fee??? so your essentially paying $6-$7 dollars on top of a $20 withdrawal. TD BANK does NOT give a rats a$$ about any of the customers.
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yhongzer
a year ago
This is my recent experience
This is my recent experience. The td bank main office mailed me a check of closing account balance, and when i see it, it has been expired, so i went to a td bank branch, and was told that i should make a phone call to customer service. then i did it, over the phone, Various verifications your ID, even i calling throught phone app, and transferred my call from one to another department all the time. so at last, nothing happened. my money has gone.. And also following two situations, one from news paper, one from one of my friend, both of them have the same situation that their checking accounts' money were withdrawal by unknown conditions. and their credit card were money out, report to the, they just send out a letter saying that after their investigation, they need to pay those money.
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anne edgerton
a year ago
TDBank has abominable customer service
I have had an ongoing situation with this bank for the past 6 months and have not have resolution to my problem. My account was hacked and and $900 was withdrawn. The bank has insisted for months that I authorized the transaction which I did not. I only received partial resolution due to filing a complaint with the Federal Consumer Protection bureau. Do not EVER use this bank. 30 years of loyalty for NOTHING
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unhappy 😡
a year ago
My online checking account was accessed…
My online checking account was accessed in Houston TX. I live in NJ. My account information was hacked my name and password changed. 10 minutes later received a text telling me my account was hacked. Call the bank and they said how did we know you were not on vacation. All in half hour. The account was locked and I was responsible. And my checking account empty. Great security system they have.
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sydney
a year ago
Never do business with this bank
I was considering TD Bank one of the biggest banks in US, till I realized that TD Bank has limited licenses for many activities. Never use TD Bank for an international transaction or to transfer money to another country. The exchange rates of this bank are astronomical and they even don't disclose to you that they are using third party for it. They charged me more than 5% for the exchange transaction plus $50 wire fees. You can transfer for less than 1% with any other banks and the wire transfer fees could be low as $15. I would never recommend TD Bank to anybody.
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peter
a year ago
States convenient but tried to make a…
States convenient but tried to make a payment on line of credit and stated I had to go into branch to pay. I have been paying down line of credit aggressively but if you pay to much they block you and you have to go into bank during covid. Meanwhile interest continues to accumulate. Be cautious. Inconvenient bank.
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harry
2 years ago
Account frozen for me but not the crooks
I purchased a computer from a retail store for $1000 and within minutes TD froze my account. Three weeks later I checked my account and there were many fraudulent charges on my bank card, over $10,000. These charges were to a purse manufacture all within a few days. The crooks paid extra to have them shipped over night to different addresses. No alerts from TD Bank and the card was not frozen until I called them. I filed a claim and got back a couple hundred dollars and then TD atomically closed my case without telling me. I had to refile every time I got reimbursed. It was a complete nightmare dealing with TD.
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dave m
2 years ago
Worst bank I have ever dealt with
Worst bank I have ever dealt with. Was told different things by different people in customer service; left numerous messages and no return calls. Do yourself a favor, find a different bank if you want decent customer service.
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anda
2 years ago
TD bank is incapable of getting things…
TD bank is incapable of getting things done. I had to go three times to the bank to update my phone number. Still my phone number is not updated. I am canceling the account tomorrow. I hate banks!
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william boland
2 years ago
Great Falls va location is borderline…
Great Falls va location is borderline incompetent and it starts at the top. Management is not willing to teach the staff and cannot execute simple tasks
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codyisk1ng
2 years ago
absolutely trash customer service…
absolutely trash customer service random fees or removals of cash from account with no history tracking to say how or why, direct investing site doesnt work half of the time especially on big trade days. randomly hang up durring technical support after telling me to delete all cookies, ends call once realising they dont know what they are talking about. NO online help options that are any use. Charge $10 every trade.
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chris blanton
2 years ago
Too expensive / little benefit for cost
Too expensive / little benefit for cost 1. The account took forever to open. Was not painless nor convenient. More like "America's most inconvenient bank" 2. Monthly maintenance fee of $25..c'mon man, who does that 3. No real benefit to either type of checking account. --Save your money, don't spend it with a bank who hords it and charges you to do so.
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jp
2 years ago
routinely disappointed by TD bank
routinely disappointed by TD bank
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jazzy
2 years ago
Easy to use!
Easy to use simple checking account. You only need to maintain a minimum of $100 so you don't have to pay the monthly maintenance fee. Compared to others which are $1.5k+ Good customer service (over the phone). Easy to deposit money. Overall, best bank I've had so far. The only negative thing I can say about them is they hire questionable people to work in their bank. Most of the time, they are unprofessional and goof off in front of the customers which makes it feel like a high school or something. Oh and I don't know why but on the app, I was never able to do an external transfer.
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miguel bueno
2 years ago
One bank to stay far away
One bank to stay far away, most inconvenient bank, who they steal few pennies a statement on interest, lowers agreed interest rates.
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j c
2 years ago
Do not open an account through TD bank, read my experince
I was with this bank for 15 years and I wish I would have changed banks a long time ago. You have to constantly check on your accounts because they will find anything so they can put a fee on the account and sometimes I’ve had fees applied for no reason at all. It wasn’t until td bank took it upon themselves to change my minimum balance to 15k that I decided I needed to find a new bank because what this caused was over $100 in fees because I was not maintaining 15k balance and unfortunately I did not pick up on it for a few months because I got lazy about checking the online statement and app and they could not refund me all the fees even knowing I did not authorize there to be any change in my minimum balance and never would I ever make it 15k. It’s been over a month of me trying to close these accounts and I’m still having issues doing so because whenever I deplete the account of funds they fee me and want me to pay the fee before I close it. I can not tell you how many fees I’ve had to fight to get refunded and I truly believe they just throw them in there and hope you don’t notice. Whenever I call customer service depending on who you talk to it a different story. I was told numerous times I can close an account over the phone and I’d talk to someone and they would tell me I have to wait a day then call back so I do that at there’s an “issue” and they can’t close it come to find out you can not close an account over the phone. So now the worlds most “convenient” bank is making me go into a branch during a pandemic and 8 months pregnant to try and close these accounts and hope they can remove the fees that have been adding up due to the balance being 0. Meanwhile everyone on the phone told me to make the balance 0 and I will not have any fees. I can’t make this stuff up. So please do not use TD bank they are one big headache.
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frustrated...
2 years ago
Worst Bank EVER!
Closed account because they are white collar criminals. They stole my money by double charging on fees. Months after they still send me mail! Are you bleeping kidding me! Phone to stop them sending me mail, and the customer rep hangs up on me! Trust me, they are: HORRIBLE THIEVES, STUPID & DISORGANIZED, UNFRIENDLY & UNPROFESSIONAL...
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loyalty first
2 years ago
I was discriminated against at the Coral Springs Branch
On 04-21-21 I was discriminated against at this bank by Kris Taki& his manager. I came in with my cousin to assist him to opened a business account. We are both busy and worked full time job, however I managed to get off work early and he was able to do so as well so, we decided to go opened the business account. I understand that my cousin did not have the proper attire because he had came from work and we only had 40 min to make it to the bank before they close. I thought that it didn't matter how you look as long as you present the proper documents everything should be fine. I was 100% wrong. The minute we walk in I saw the unwelcoming looked they had on their faces. Make a long story short, Kris Taki & his manager made it impossible for us to opened a business account. We gave them everything they asked for but as soon as we did he would ask for additional information to make sure that account was not opened. 1. I gave him actual business EIN copy from the IRS site. 2. Sunbiz page showing that the business is legally registered with the state. 3. I'd & social 4. I 6 letters with the business address including 3 utility bill. After I presented all that to him he said he now needs a tax copy and a lease agreement copy. I said OK let me pull up the copy online, while I'm trying to pull the copy online he said even if you do pull it up you will still need additional information. He also asked me if the office address is real because TD Bank is strict and they may do walk on site and we must be in the office if they do walk in. At that point it was pretty obvious that he just was not going to helped us no matter what. I asked to speak to a manager and the manager came by and approved everything he said. I knew they were lying because I have white friends who has business account with this bank and they never was treated or asked for all these documents. Worst experience I ever had at any bank!! This location is prejudice and racist Do not go there if you want good and equal service
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grace gibbons
2 years ago
I had not choice but to give one star…
I had not choice but to give one star in order to write the review---no stars in the negative. Where to start---since we began banking with them, there has been one dysfunction after another--but the folks at the branch knew us and were excellent local representatives. Well, we couldn't have that, so now you never see the same tellers or managers at the bank twice. The local branch is closing. They made a production of customers not having to alert them if they were going out of the country (U.S.), so our daughter took her TD bank card to the U.K. as she had done before, which allowed us to put funds into her account...well, the bank blocked her account and refused to do anything to help, except suggest to her that she do a costly bank transfer to remove her money and close the account. Helpful, right? We will close our accounts, too, which is a hassle because we have automatic deposit---acquired when tellers were there for more than a week and were helpful. So, customer service tells you how to close your account after the company has made the mistake....I am so sorry we ever began banking at "America's most convenient bank"--well, they gave up that slogan pretty quickly, after they began to limit service and opening hours----I suspect this place is going under.
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rr
2 years ago
Terrible bank, terrible customer service, stay away
In short, TD Bank is refusing to honor the terms of the promotion and pay a bonus. I opened a checking account at TD Bank on 09/14/20.They were offering a sign up bonus of $300 if certain criteria were met. I met the criteria and when no bonus posted within the specified timeframe, reached out to the bank. I was informed that I wasn't eligible for the bonus because I had previously earned a bonus in 2018 and terms of the offer state 'one bonus account per Customer and cannot be combined with any other offer'. I countered by pointing out that terms also state 'Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months'. This language is not ambiguous and clearly I'm eligible because last time I had an account was 2018. I was again told that the account is not eligible for the offer.
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keith
2 years ago
Now harassing me at home because the US…
Now harassing me at home because the US postal system lost a check in the mail!!!
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daniel oamha
2 years ago
absolute garbage customer service…
absolute garbage customer service cannot open account because site is broken
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stevenafricker
2 years ago
td "bank" means "total disaster bank"
td "bank" means "total disaster bank" I have registered an account online and made the initial deposit using a card, after about a week the username and password were disabled and they asked us to contact them over the phone with a waiting time between 30 to 180 minutes a total disaster bank, td bank!
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dee
2 years ago
TD Bank Customer Service is Horrid!!
I bought ProForm equipment, which is financed through TD Bank. First TD Bank's website did not work, then their customer service rep was beyond rude on the phone, so I mailed a check and paid in full. Though they cashed my check (I have proof), they began to charge me late fees and send me letters saying I had an outstanding balance. Tried to 1) mail them a letter with the check attached, 2) call them on the phone multiple times (could never get through after waiting more than an hour). Never could get help with resolution. SO, they reported me to the credit bureaus, immediately decreasing my score significantly! TD Bank is awful. Avoid at all costs!