TD Bank, America's Most Convenient Bank is one of the 15 largest commercial banks in the U.S., with more than 22,000 employees and deep roots in the community dating back more than 150 years. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5... show more
TD Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/02/2026.
3.3
6,376 reviews
from WalletHub and across the web
6,376 reviews from WalletHub and across the web
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TD Bank
WalletHub @WalletHub
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4 Star Rating
editor's review
2026 TD Bank Personal Loan Review
TD Bank offers inexpensive personal loans, with APRs starting at 7.99% and stopping at a maximum of 23.99%. That’s much lower than the 36% maximum possible from many other major lenders. TD’s personal loans have a $0 origination fee.
One drawback to TD Bank is that they only operate in 15 states and D.C. However, people who do live in areas the bank services will be able to enjoy competitive terms on their loans. Customers can borrow $2,000 - $50,000 and can get 36 - 60 months to pay their loans off.
TD Bank Personal Loan Review Highlights:
APRs: 7.99% - 23.99%
Loan sizes: $2,000 - $50,000
Payoff periods: 36 - 60 months
Credit score requirement: Not disclosed
Origination fee: $0
Late fee: 5% of minimum payment due, or $10
Reputation: TD Bank scores a D with the Better Business Bureau and has an average user rating of 3.3/5 on WalletHub.
Joint applications: Allowed
Altogether, TD Bank personal loans are a great option for those fortunate enough to live in one of the states the bank services.
Below, you can see how WalletHub rates TD Bank in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
TD Bank Ratings by Category:
Category
Editor’s Rating
Terms
4.6/5
Requirements & Application
3.8/5
Reviews & Transparency
2.8/5
Overall Score
11.2/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: TD Bank Business Services
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TD Bank
WalletHub @WalletHub
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4 Star Rating
editor's review
The TD Cash Credit Card is a good offer with a cherry on top for someone with the good credit needed for approval. That cherry comes in the form of an initial bonus of $200 cash back for spending $1,000 within the first 90 days of account approval and the offer’s lack of an annual fee. The middling nature of the offer comes from its cash-back base earning rate; its unfavorable regular APR; and a balance-transfer fee that ruins the availability of the intro APR promotion. All things considered, this is a good card to have in your wallet if you’re a relatively light spender who has good credit who never carries a balance from month to month. In such a scenario, it won’t cost you a thing and will provide a decent rewards yield without requiring much thought. But if you want to get the best credit card possible, this isn’t the offer for you. The excellent-credit corner of the market is quite competitive, and there are better deals to be had whether you’re in the market for rewards or low-cost financing. For more information about how we came to this conclusion and some alternative offers to consider, check out our full-length TD Bank Credit Card review.
The Nordstrom Store Credit Card is available to people with fair/limited credit and does not charge an annual fee. As such, it’s a great way to invest in your credit standing. This card also offers a decent initial bonus and solid ongoing rewards, at least in percentage terms, giving you a $20 rebate on a purchase of at least $100 the day of account opening and then the points equivalent of 2% back on Nordstrom purchases. Plus, you’ll benefit from free alterations, “triple-points days” and other Nordstrom deals. But it’s important to note that most of that package is easily replaceable by another credit card. So you shouldn’t lose any sleep if you choose to let this offer slip by. And if you’re on the fence about whether to apply, you can learn more from our in-depth Nordstrom Credit Card review: https://wallethub.com/edu/nordstrom-credit-card-review/25965/.
The card and bank are an absolute joke. I opened secured cards with TD, Affinity FCU, and NAVY FCU all at the same time last year. Navy FCU increased my credit limit as promised, right at the 3-month mark, and just graduated my card at the 6-month mark from my $200 deposit to a $3,000 limit! Affinity doesn't graduate, so I closed the card, but their cash back rewards checking has great perks, and their customer service is great. TD Bank's service is horrendous, their fees are ridiculous for checking and savings accounts, and rewards for the secured card are not competitive. (They require 2,500 points minimum to redeem for cash back.) They also don't increase your limit if you happen to be in the 1% of people who actually graduate, making them one of the worst banks and credit card options on the market.
I had two different companies that were supposed to position me to receive calls by placing my website on top when my keywords were googled. I had written documentation to prove that they did not fulfill their promises. I submitted a claim to get my money back. Here I am, nine months in, and I'm still not receiving calls, and TD Bank refuses to return my $800.00.
I also started a grandfathered account in 2023. I had no overdraft fees and no monthly charges. Now they've dismissed my grandfathered account. About three months ago, TD Bank started charging me $35.00 for overdrafts and a $10.00 monthly charge. It's not fair.
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Product: TD Bank Business Services
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TD Bank
Jo Col @jocol72
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1 Star Rating
The bank is absolutely awful when it comes to simply being flexible with terms. There are no mechanisms of common sense when charging fees for minimum balances, even when one account has $100,000 and the other is $100 below the minimum threshold. The people you speak to almost take pleasure in not budging, no matter how difficult your personal situation may be. In my case, I'm going through a divorce. The bank is able to change the terms on minimum balances while divorce litigation is ongoing. On top of being the sole provider, you now have to fund balances up to $2.5K so that you're not charged $20 per month. When you annualize the fees compared the balance held, it is simply thievery of a family assets. It's usually families that already have alot going on. It's the children that pay for it all in the end.
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Product: TD Bank Checking
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TD Bank
tony berkman @tberkman
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1 Star Rating
They have the worst customer service. Waited two hours. Nothing. No option to call me back. This is a bad company, with no regard for their customers.
My fellow Americans, Green card holders, and legal immigrants, I advise you not to do business with this predatory lender. In my opinion, it is the worst bank currently allowed to operate in our country. I encourage you to look at the reviews on various review sites and see for yourselves. Thousands of people have complained about this bank.
If you take out a home equity loan with them and miss just one payment due to life's mishaps, such as unemployment or inclement weather like a hurricane, they will rewrite your loan and attempt to take your home. This bank intentionally provides customers with a runaround and claims to assist you, all the while increasing your mortgage modification, if you choose to do one, and adding on fees, seemingly in hopes of taking your home. This is a regular practice for them.
If you call the bank, one representative will tell you one thing, and if you call back to speak to another about the same issue, you will get a completely different answer. Let this serve as a warning: if you want to safeguard your property, do not deal with this bank. They should not be allowed to have any type of business operations in the United States of America.
Before dealing with this bank, ensure you have explored other options. There are plenty of professional banks out there that are not in the business of taking someone's home or adding on fees in a deceptive manner. This is a dangerous Canadian bank, and I urge you to heed my warning. Do not do business with them, as you risk losing your home. They are not honest, and they will do all they can to acquire your property. To maintain ownership of your home, your sanity, and the hard work you have invested in your property, avoid doing business with this bank. They are dangerous.
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Product: TD Bank Home Equity
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TD Bank
Bryan Scalia @bscalia88
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1 Star Rating
Retaliatory credit line decreases if you make or file a complaint. Stay far away from this. Chase and Capital One are all better options.
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Product: TD Bank Credit Cards
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TD Bank
Barry T @barry702
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2 Star Rating
Verified Customer
Whoever the bank is that issues this card, it only allows me a $2,000 limit, and I have a credit score well over 825. My minimum limit is $10,000! Also, too many payment reminder emails are sent, and the phone customer service is not high quality. Target should use a different company to manage their credit cards.
Paid bill on time but it doesn't register in the store or for online ordering afterwards. It takes 2 to 3 weeks to register, yet it clears my bank account immediately. Target needs to get with the program. When you call their help number, they're no help either and can never answer why this happens. This is very irritating. Why am I still using their card?
Opened an account online. Tried to set up a transfer of money. The system presented many issues which triggered a fraud alert. I got that resolved and scheduled the transfer. When I tried to log in the next day to check the status, I was locked out due to another fraud alert. I called, and they said it was due to identity fraud. I told them to close the account and return my deposit. It's not worth the $400 bonus to deal with these issues.
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Product: TD Bank Checking
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TD Bank
Amelia Moya @ameliam_10
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1 Star Rating
Verified Customer
Autopay in the app is a scam. I signed up believing that I wouldn't miss a payment, then I received an email stating that I missed a payment and they charged me a late fee! I set up the autopay again and yet it failed once more by taking me off. But they did report me to the credit agencies.
This card is trash. I pay it in full when it’s due and it takes 3 weeks to clear, even though it comes out of bank the next day, funny how that works. I have a low limit so it’s easily spent in 1-2 trips, pay it in full and then I can’t use my card for 3 weeks and the app shows it’s paid and that I have a credit line it just gets declined. It’s a joke, if you’re considering a store card go anywhere else. Every other credit card I have reflects my balance and that balance is useable as soon as I make the payment. Dicks and Amazon are both good credit cards
Get answers to your questions about TD Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
To log in to your TD Bank credit card account, go to the login page on the TD Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log in” to access your online account. If you don't already have an account, you will need to start by clicking “Sign up for Online Banking” in order to set up a username and password.
How to Log in to a TD Bank Credit Card Account
Register your TD Bank credit card for online account access. Click “Sign up for Online Banking” and enter your Social Security number, email address, credit card number, and TD Bank account number to verify your credit card account.
Choose your TD Bank username and password. The username must be between 8 and 25 characters, including special characters, and no spaces. The password must contain 8 to 32 characters and have at least 1 number and 1 letter. The password is case sensitive and may contain special characters.
Log in with your new TD Bank credentials. From the login page on the TD Bank website or app, fill out the User name and Password fields using your new credentials, then click “Log in” to access your account.
After you have signed up and logged in, you'll be able to manage your TD Bank credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot username and/or password?” on the TD Bank login page and follow the prompts to reset or retrieve your username or password.
You can log in to your Target Credit Card account by going to the login page on the Target website and entering your username and password in the appropriate fields. Then, click the “Sign in” to access your online account.
How to Register for Online Access on your Target Credit Card Account
Register your Target Credit Card for online account access. Click “Sign up” and enter your card number to verify your credit card account.
The TD Bank CD has an APY of 1.99% - 3.49%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
To talk to TD Bank customer service, call 1-888-751-9000 and then enter your account or card number and press #. This process will get you in contact with a live TD Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to TD Bank Customer Service by Phone
Call the TD Bank customer service department at 1-888-751-9000.
You can make Target Credit Card payment online, by phone, through the TD Bank mobile app, by mail or at a branch. To pay your Target Credit Card bill online, log in to your online account and click on “pay now.” Then, choose how much to pay, when to pay it, and where the payment is coming from. TD Bank does allow cardholders to set up automatic payments, too.
You can make a Nordstrom Credit Card payment online, by phone, through the TD Bank mobile app, or by mail. To pay a Nordstrom Credit Card bill online, log in to your online account and click on “Pay my card.” Then, choose how much to pay, when to pay it, and where the payment is coming from. TD Bank does allow cardholders to set up automatic payments, too.
To talk to Target Credit Card customer service, call (800) 424-6888 and then enter your 16-digit card number or your Account ID. Listen to the menu options to use the automated system or press 0 for customer service. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Target Credit Card Customer Service by Phone
The easiest way to apply for the Target Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to TD Bank's website. Alternatively, you can apply in store.
Keep in mind that the Target Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
To get your TD Bank credit card statement online, log in to your online account from the TD Bank website or mobile app. Once you are logged in, you will be able to view your most recent transactions and select statements from the previous 7 years to view, download, or print.
How to Get a TD Bank Credit Card Statement
Log in to your online account from the TD Bank website or mobile...
The TD Bank overdraft fee is $35 per transaction that overdraws your account, if you have a TD Bank checking account that allows overdrafts. Some TD Bank accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
Key Things to Know About TD Bank Overdraft Fees
Not all accounts are eligible for overdraft services. While most of TD Bank's checking accounts come...
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* The information about the following cards has been independently collected
by WalletHub: Target Credit Card and Nordstrom Credit Card.
