I'm a person that's very concerned about security and customer service. One of the biggest frauds going around now is when crooks deposit a check against your account and ask for the money right away without the check clearing first. (if you lost your wallet with Driver's License and cards this is bound to happen to you.) It takes 2 or 3 days for that check to bounce and by then it's too late. Chase, Bank of America and BB&T do a very poor job in verifying customer information before doing what was just mentioned. TD has a password you can use for any live transactions (teller, drive thru) and also they have this machine that they scan checks and know whether they are good or not. If your signature does not match the one you used perfectly when you opened an account at TD then you have to come into the bank and verify everything else--including password. This is the best walking bank so far for security. Also they have the best rate for High Yields savings account for a walk-in bank (as opposed to just internet banks.) They do not charge for speaking to a live person more than 2 times a billing cycle like BB&T does. TD does not require direct deposit to avoid monthly fees on their checking accounts. Depending on the checking account, they will cover ATM fees from other banks and not charge you one either. They also have a lot of helpful information about security and what on their site--check it out! Let me tell you, my experience with Chase has been the complete opposite. Hope this helps someone out there!
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.