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.
I have been trying since Octoboer of 2013 to get one person to return my phone calls in reference to a property that is listed on the foreclosure list. As of date not one phone call or email has been responded to.
My particular branch started as a Commerce Bank before TD bought the entire company several years ago. The tellers are friendly and routine transactions are handled efficiently. I'm on a first-name basis with the branch manager. So far, so good.
My frustration is that TD Bank's IT department is pathetic. I first noticed a pretty serious functionality problem on their Web site about two years ago after a Website refresh. I reported it using an outdated Web-based form on their Web site (e.g., the form prompted for computer OS but the most recent was Vista, also prompted for browser and had no mention of Chrome). I have spoken with my local branch manager, who has confirmed that it is a bug she could reproduce. I have walked through the process of reproducing the bug with a telephone customer service rep. I was told it would be handed off to IT. I've also been told that an IT manager would follow up with me -- a year later and I'm still waiting for that call. I've tried to reach out to TD Bank in every way possible -- via their Twitter feed, phone, online, and in store to get traction for fixing this issue. Despite claiming to be "America's Most Convenient Bank," they are also a monolithic wall when it comes to communicating with customers about technical issues.