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.
Workers at this branch including Gilbert Vega, Officer, Assistant Store Manager, NMLS ID# 596679, TD Bank, 2400 Bway, NY, NY 10024, 212-579-2010, make errors and in an egregious act of disrespectful (to the client) temerity and possibly criminal behavior, attempt to cover up their lack of competence by falsifying documents, discarding documents signed by client (handwritten ancillary/concomitant/down stream documents the bank has on file could not have been generated without the above referenced computer generated document's composition) and altering of an evidence stream by replacing a signed document with one intended to cover up Bank Error . While attempting to get copies of the above mentioned signed documents (via walk in v. phone w/TD Bank officials) an alternate TD Bank employee attempted to seek out business for TD Bank, asking if the [high profile] company the client worked for 'has a board', implying that they [the high profile company's board] would meet with the [clearly naive at best, revealing a suspect intellect] low level TD Bank Employee [to work out a business deal with the bank]. A complaint relative to the above will be filed with TD Bank Security and / or appropriate government oversight agencies. Curiously, at the building adjacent to the bank (possibly the Merrion at 215 w. 88th street??) one morning client witnessed building staff (doorman/ super and / or maintenance person) being politely greeted by a woman and her daughter as they left the building and as soon as the woman and her daughter were apparently out of earshot, they (building staff) laughed at each other, asked if [paraphrased] 'that's the nurse in apartment [redacted]' and then began talking about what they'd do to her [sexual innuendo].
I had my auto loan transferred from a local bank to TD bank after TD bank acquired the local bank. Following this, being able to track my loan was down right impossible! TD bank stated I could not access the loan online since it was a loan transfer. I had to pay in person each time! Now that I am one payment away from paying off my vehicle, they tell me over the phone (after 30 min holds between three transfers to three separate people) that I owe over 150% of my balance due to "late" fees, etc. I am requesting an itemized payoff report to include principal, interest, and other fee balances. By the way, I was told that this request has to be done via fax only! Can't request via phone or online! Why doesn't TD bank do their employees a favor and close on weekends (especially on Sundays) since they really don' t offer any other benefits!