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 froze my atm card - 14 days ago - and never bothered to call or email me and let me know. And the branch personnel could have cared less.
Opened an account here a few months ago in Philadelphia at the 4th and Market branch - used by atm card in NY on April 14th - and they froze my atm card, but never bothered to tell me. Today I tried my atm card at three different machines - and it wouldn't work, so I went into the branch. They said that the card needed to have transactions verified, and asked my if I used my card on April 14th at 610 8th street - which wasn't even the correct address. He said they froze the card because the usage "wasn't within my normal patterns". I asked I was supposed to know that and why they never notified me - and he didn't have an answer.
Went home - transferred all money out of the account except for the minimum required balance - and will close the account next week.
Stay away from this bank - ING - Ally - ETrade are all much easier to deal with than these fools.
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].