Steer clear from this bank. I was a customer for about 20 years until they were taken over by canada! I have had an account that i have not used in nearly a year; these idiots continued to charge me fees until the account was overdrawn then they submitted to a banking credit system. Stay away!!!
I received a $50 TD Bank Visa gift card as a present and it has turned out to be the worst gift ever. I tried to use it at a restaurant where the waiter told me he was unable to get the funds off the card and I needed to call the bank. I subsequently paid the bill in cash. Over the last six months I have called many times about this dispute. Originally I was told that I would get my money if the merchant did not respond in 30 days. Subsequently I was told the merchant did not respond but the dispute was constantly being reviewed and someone would get back to me.
In late June / early July, I was told that in order to get my money, I needed to produce proof of payment. It is ridiculous to ask a customer to provide a receipt six months later. I spoke to a representative who told me the initial representative had given me bad information, would work to get it resolved and call me back in a few days with an update. Obviously I never heard from him and received a letter in the mail closing the dispute. Calling back I was told there is nothing that can be done without a receipt.
The lack of customer service on this issue is appalling. Amazing that you can call yourself the friendly bank and criticize other banks for their lack of customer service.
I've had TD bank for almost 10 months now and can only compare it to my local bank I had previously. My experience has been smooth with TD and have had no surprises or fees yet. The online banking is easy to use and accurately reports any transfers quickly. The mobile banking feature is useful, especially if you don't live near a local TD and deposits are usually made that day or the next. Customer service was also helpful when I called and I was talking to a human representative immediately to answer my inquiries. Overall it's been a pleasant and simple experience with TD.