MyBankTracker rated TD Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
My husband decided to get this bank since they are opened on Sundays. He opened his account first then we decided to get a joint account there also. The first day we go in to setup a joint account the lady explains that if we deposit cash in an ATM it won't be available for a few days which automatically made me not want to bank there but my husband decided to still bank there we give the lady 600 cash to put in the account and explain to her we need the money available tomorrow because that is the money to take our car out the shop she says the money will be available since we were depositing it with a teller and it is cash the next day we go to swipe for our car to come out the shop the card is declined and when we call the customer service the lady says they have no idea what she deposited the cash as but the money won't clear for 7 days that they "THINK" she deposited it as a check but have no idea for sure immediately I wanted to close the account but our car rental security deposit was still on hold and when I asked how long the hold takes to come off so I can get my money out they tell me 30 days which I have never heard of a hold taking that long to clear ever! The way this bank holds people money and takes days for money to clear is ridiculous! Then you have to pay to basically even have an account there! They should pay us for using their horrible services!
I have been a member for over 20 years including when it was commerce bank. Since it has been td bank i have had many bad experiences but this is the worst. On november 1, 2012 at 6:30 pm i walked in and i waited to see a customer representative to see about closing my account due to a maintenance fee. Stephanie greeted me and asked if she could help me. While talking i had asked her some questions about a student account to see if i could get free checking. When she asked me my age she informed me that i did not qualify, as you had to be younger. Therefore, i asked her to close my account and distribute to me the 250. 28 that i had left in my account. She did all the proper procedures rather coldly without smiling or responding very friendly to me when i tried to spark up a small conversation, however, she did her job and exited to retrieve my cash. When she returned i briefly looked inside the envelope, however, i did not count the amount correctly. When i left the building i went to wells fargo, which is right next-door and began to count my money that she gave to me and i noticed that i was $80. 00 short. I immediately returned to td bank and asked stephanie if i had dropped any money because i was missing some cash. She became very rude and told me no and that she cannot tell me what i did with my money after i leave the bank and that she is not responsible for it. She also angrily said to me that she watched me count it in front of her. I was rather nervous due to the economy today and hoping that some how she could help me so i nicely explained to her that i know and i realize that but i must have not counted it properly because i'm missing money and i only have 170. 00. She then stormed off to the teller counter and disappeared from my sight. I had to ask the teller where she went and he told me she was counting the drawer. She then came back and gave me the 80 dollars and said sorry but never apologized how rude and angry she acted. I closed my account and will never return.
Do not deal with this company. I paid a payment on my account online the same day it was due. I paid around 7pm, come to find out that their cutoff was 5pm in the afternoon ...really talk about bankers hours even online.... anyway after 5pm it goes on the next day which not only caused late charge but in my case also dropped my line of credit from $3800 to zero.... they reimbursed my late charge but decided that i was no longer a customer they wanted..... ooh well i'll still use their money at zero interest for the next two years.... dont deal with this bank.