After leaving Chase for loosing my money and taking over two weeks to return it. They mistakenly put deposited my money into someone else's account. I made the decision to move my business to TD Bank. It has been over a year now and I can't tell you how a great feeling it is to have a conversation with a bank employee does not take place through bullet proof glass.
Though I only have a checking account with TD, they do what I expect, which is hold my money and give it to me when I need it. I never use their online banking, so I have no idea how good it is, but they do have a ton of locations in New York, fees are reasonable and the bank branch experience is one of the best.
The dog friendly atmosphere is also a bonus.
Simply awful. I was lied to and manipulated and paid through the nose for the experience. I was interested in buying a condo/first home, so i talked to a banking specialist. I was told that i could open a line of credit, take funds, set them aside for 60 days, then use it for a down payment. I did exactly that, paid to start the loc, paid the interest, waited 60 days, and... Nope, can't use that, sorry! Well, damn. I came up with the downpayment anyways, and was subjected to 2 months with the most incompetent mortgage "specialist" of all time, jessica laws. If you go to td and she's assigned, tell the seller it's not happening.
She'll see to it. Mishandled documents, didn't do anything, sat on them until the closing date and then "oh, it's not done. That's a problem. Get an extension. And pay us a ratelock fee. " why? Because if she'd verified these documents she'd had for 8 weeks, and done nothing with. She would have found the issue, and the 4 week fix, no problem. Instead of trying to fix my problem, she just kept repeating "ok, you're gonna be charged a ratelock fee" she then advised me, yeah, you should cancel this, and just restart it in 4 weeks, and then it'll be 45 days from that point, that maybe we can help.
What? She just wanted to be done with me. So, i got her to issue a denial letter (which she also screwed up) which said that of the almost thousand dollars they cost me, i'd be refunded 125. Well, it's something, right? Well, though i was told it was refunded. Over a month ago. It is not. I've contacted her 3 times since. Got two responses of "what's it for? I'll look into it" all 3 were in response to/attached to the letter she sent me saying it! I don't think you can be this incompetent by accident, i believe it is maliciously intentional on her part and i'd advise everyone to never bank with these thieves, get a loan shark. They'll lie/steal from you less. Ps-got mortgage with dcu, 30 days, ready to close. Thanks!