TD Bank Checking Accounts

Terrible bank. Customer service is bad to nonexistent. Overdraft fees are ridiculously high. They took over the much loved Commerce Bank & ruined it. They got rid of all of Commerce Bank’s amenities. The only reason I still bank there is that changing banks is a huge hassle.

TD Bank refuses to pay the $300 bonus that they routinely advertise on their website, checkingbonus.tdbank.com/digital500.html. I applied for a TD checking account using this exact URL and I followed the instructions & requirements exactly as they were listed in the disclosures section at the bottom of this web page. After complying with every single requirement, TD now tells me that they will not pay the bonus because they say I ‘used the wrong website to apply for the account’. Again, I used checkingbonus.tdbank.com/digital500.html, which anyone can see for themselves is one of TD Bank’s own webpages and it actively advertises a $300 bonus for opening up a checking account. I asked TD Bank to tell me what is the correct URL if checkingbonus.tdbank.com/digital500.html is the wrong URL. They refuse to respond to this question and offer nothing more than a very robotic ‘promotion bonus is denied for applying on wrong website’. I have spoken to no less than 5 managers at TD, who all agree that the denial makes no sense. However, the managers state that “only the promotions department can fix this.” The promotions department does not have a phone# to call and they have stonewalled and failed to give a logical explanation for nearly two whole months. Very miserable experience with this bank!

After getting many contacts from TD Bank to connect my business/personal. I decided to give them a chance, mainly due to what they call convenience. Plan was to start with my personal and if all goes well connect my business. First, they had a promotion you get after you enrolling and direct deposit an amount which I did. It’s been 5 months I never got it, called them, they say they’ll check, never returned to me, called them again about a month after and they claim I’m lying since I got this in an email and not a direct mail I’m not entitled. I asked why no one called me back or send me a mail to let me know, the rep say that they’re not supposed to. The fiasco continued when they continuously charged me for a maintenance fee for two months on a triple charge that happened in one day and conveniently this day is the end of what they call cycle so you’re charged twice for each cycle. The customer service rep did try to help but their protocols are so horrible that they manage to alienate me as a client even further. THIS IS NOT CONVENIENCE BANKING. I WOULD RECOMMEND TO STAY AWAY.

This is what TD Canada Trust is doing to a 17 year old kid with developmental delays. Someone was able to mobile deposit a fraudulent BC Hydro cheque to his bank account for $2,000.00. TD Canada trust accepted AND allowed an eft of $700.00 immediately even though his account has a $100.00 limit until the deposit is cleared. They refuse to disclose the email address the money was transferred to. This is a youth account that has a few hundred dollars PER YEAR go through it and mobile deposit has never been used, he wouldn't even know how. Now they have a collection agency harassing a 17 year old kid with disabilities!!

Further to this, we've learned that TD is now taking every penny from his first job directly from his bank account.

They've ignored us, treated my son very poorly and are now stealing from a 17 year old Autistic minor.

WHAT A DISGUSTING BANK!!!!!

Why even bother. I am about 800 miles from a local branch and attempted to deposit a check today. After not being able to deposit 2 separate checks both saying they were already deposited. I then called customer service. They saw no technical issues on their end. Nor did they see any attempts for me of depositing the checks. I was then placed on hold and transferred around for a while. After about an hour they said I would simply have to drive to a bank and deposit them manually. I will be closing my account as soon as I'm back and going with a bank that can actually help when there is an issue. I have been a customer of TD bank for over 15 years.

Incapable of transferring funds from outside banks. Their Indian Tech Support is completely useless. 5 Phone calls over 2 hours- still couldn't resolve, or overcome, the gross incompetence of TD BANK.

Once agreed on the eSign agreement, they reserve the rights to change communication mode without notification. Or, no online banking.

This is their idea of customer service: I am a big bank. You either agree with my forced agreement, or go banking somewhere else. Even when I called in search of an alternate option, the representation was so callous and condescending.

I am not sure what happened... but, they used to be my go to bank for the way they treated their customers.

Now, I am looking for another banking institution.

Thank you for all the fish.

This bank stinks and I was treated very rudely. I opened a checking account online and they froze my account and then closed it after I went into the bank to find out what was going on. I had called customer service numerous times and they never told me my account was frozen. I still have not received the money from my direct deposit from a week ago. Very rude treatment for no reason. Terrible attitude. I will tell everyone not to go there.

This is the WORST banking service. They offer a bonus then come up with some kind of excuse as to why not pay it. Try calling customer service and get "legendary customer service" which means put on hold for 30 minutes and then get no answers to your questions, this is after a nightmare of phone menus to push through. And transfers online take 1 week? Chase has RTP transfers that are done in minutes. This bank totally sucks.