Having lived in the area now for 14 years or so and having had experience of several banks, either through payroll needs or mortgages or such, I'd have to say TD Bank is the best of the bunch.
I've tried Wilmington Trust - OK, B of A - really terrible, Wachovia - Horrible, Citizens - Pretty Bad, First Federal - OK, but TD has been really great.
First, most of the complaints I read here are about debit charges for being overdrawn, that's the same at every bank. My son went over $800 overdrawn while banking at Citizens while at college - for buying a Starbucks on his debit card. They then started charging him $37 day for the O/D, even when it was paid off, they came up with retrospective charges that put him overdrawn again and started the whole process over. You can fix your debit card so it can't go O/D now (thanks to the government) and at least TD only charge $15...
My branch is very cheery and friendly. The dog loves to visit and there are always little gifts for the kids as well as the free money counter for customers.
No bank reminds me of the old, personal face-to-face service you used to get and decisions are now made in a central office many miles away, but at least the staff are friendly, the bank is open and bring and everyone seems very helpful.
They are sitting on a wire claiming that the sending bank never sent them the information they requested when the sending bank has now sent them the information 2x. Each time I call I hear a different story from "what wire..we don't see any record of a wire" to claiming they made requests for information from the sending bank on different dates from what I heard in the last phone call. They don't let you speak to their wire department directly so you have to relay your communication through (an often incompetent) customer service representative. I have a simple business checking account and couldn't imagine expanding my services with them when they are this incompetent on such a basic transaction.
If no stars were possible I'd give them that.
I had a car loan with them. Since my first payment I've paid my loan 4+ months at a time because I'm a seasonal employee and I like to have as little to no bills when I'm not working. This was fine for three years of my loan.Then one of the tellers processed the payment incorrectly. With out ANY kind of notification from the bank they put my account into collections! I went in a few months later knowing I should have been on track with payments and wanted to know how much was left on the account when the teller told me I'd have to call their 1-800 number to get my information which I thought was odd but paid my usual few months and left. Called the number and was told my car was in recovery! It took a coarse of three days to get everything (to what I thought) squared away. Mad at the whole situation and not wanting to deal with this bank anymore I paid my loan off in full. I was waiting the one to two months for my title to come in the mail and once I hit the third month I called the 1-800 number again to findout where my ttitle was. I got the run around again! Saying that my account is in collections abd then in recovery! I Paid it off in full at a bank branch location. This had been the biggest nightmare of my life! My credit is perfect except for all this mess which isn't even something that is my fault!
Go to this bank only if you want them to destroy your credit.!