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 million Customers through its extensive network of about 1,300 convenient locations from Maine to Florida. Today, TD Bank, America?s Most Convenient Bank, remains focused on delivering award-winning customer service and hassle-free products to customers from Maine to Florida. TD Bank operates in 13 states and the District of Columbia.�
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 01/26/2021.
3.8
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TD Bank
WalletHub @WalletHub
editor's review
The TD Bank Cash Visa Card is an average offer with a cherry on top for someone with the excellent credit needed for approval. That cherry comes in the form of a $100 initial bonus for spending just $500 within 90 days of account approval and the offer’s lack of an annual fee. The middling nature of the offer comes from its 1% cash-back base earning rate (supplemented by just 2% back only on dining); its unfavorable regular APR; and a 4% balance-transfer fee that ruins the availability of 0% financing on balance transfers for the first 12 months.
All things considered, this isn’t a bad card to have in your wallet if you’re a relatively light spender who has excellent credit, pays with credit primarily when dining out and 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: http://wallethub.com/edu/td-bank-credit-card-review/25997/ .
TD Bank offers inexpensive personal loans, with APRs starting at 6.99% and stopping at a maximum of 18.99%. That’s around half as high as the 36% maximum possible from many other major lenders. TD Bank is also unique in that it’s one of a handful of major lenders that offer not just unsecured personal loans but secured loans as well. TD’s unsecured loans don’t charge origination fees, but there’s a $50 fee on secured loans.
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 up to $50,000 and can get up to 60 months to pay their loans off. TD also has a good reputation from the BBB and from their customers, which means consumers can borrow with confidence.
TD Bank Personal Loan Review Highlights:
• APRs: 6.99% to 18.99%
• Loan sizes: $2,000 to $50,000
• Payoff periods: 12 to 60 months
• Credit score requirement: 750+ (660+ for TD customers)
• Origination fee: $0 for unsecured, $50 for secured
• Other fees: $5 late payment fee
• Reputation: Payoff scores an A+ with the Better Business Bureau and has a 3.8/5 user rating on WalletHub.
• Co-signers: 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.
The Wire fees are just OUTRAGEOUS, (especially INCOMING wire fee)! Almost Three times more than at other banks! So many unexpected fees and charges. Customer service is not helpful at all. Closing my account with them.
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Product: TD Bank Checking
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TD Bank
Ernie @e_jimmette1973
It’s the easiest way to build your credit when you're being turned down by credit card companies and you got your own money and you can do what you want and can afford and they don’t believe you take change with TD bank cash card and show them
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Product: TD Bank Credit Cards
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TD Bank
Ali N @ali_nour_cpa
This bank is so stupid the card has $500 limit you don't have to sent the full amount to transunion. td bank is the bad bank in this world.
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Product: TD Bank Credit Cards
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TD Bank
Khalid A @jdm2000
TD has the worst customer service and protection. They made a mistake and they rather blamed the customer just because they don’t want to cover the cost of their mistake. I strongly recommend not using TD if you want your money to be safe. I have canceled my mortgage application with them because of this experience plus I have withdrawn all my money from TD. Plus all my siblings are in process of taking out all their money and switching to another bank that cares and works for customer. They will all be canceling their Visa and MasterCards just like how I did and closing up the line of credit. So disappointed.
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Product: TD Bank Checking
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TD Bank
Olivia Darcangelo @54darc
I banked with TD for 6 years. The app is not user-friendly and the overdraft fees are crazy. There is only 1 bank in my city and it is located on the other side of town so I relied mostly on online banking. Which logged me out every 5 min so it was hard to get anything done. The customer service was average, it was just hard to get connected with a human and not a FAQ bot. Honestly, it was a hassle to do anything with TD. I opened a credit card with Capital One last year and saw that banking didn't have to be stressful. About a week ago I decided to switch my checking and savings account with Capital One and be done with TD. I had to call 3 times to close my accounts, was not impressed by the customer service I received they did not explain the process just told me I was wrong. And as a customer of 6 years with TD, not one time did any of these 3 people ask me why I wanted to close my accounts or offer me any reason to stay banking with them. No email saying "sorry to see you go" nothing. Which only leads me to believe that they do not care about their customers.
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Product: TD Bank Checking
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Ed Danson @Edanson26
I have a Target Red Card and have attempted to purchase a Disney gift card at Target.com using my Red Card. I have done this on numerous occasions in the past with no issues. After ordering the gift card, I received an email indicating the order was cancelled but did not give any specific reason. I tried again with the same results. Since then, I have called both Target.com and Target Red Card (TD Bank) 3 times and was told the there was a glitch in their system and the issue would be resolved. Initially, the issue would be resolved in 15 minutes. The second time, they told me to wait to the next day so the system would clear the issue. Now they tell me that the issue will be resolved but they do not know when. It's been 4 days and the issue remains unresolved. It has been very frustrating and their customer service is worthless. The reps working customer service have no idea what they are doing. All I want to do is buy a gift card. It cannot be that complicated; but apparently, with Target it is.
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Product: TD Bank Credit Cards
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Rachel Bence @rachjacobs18
Below is the email I received from target red card. I entered a new bank account to pay my red card and I messed up a number, so it was returned. I figured since it was my 1st issue that they would waive the $29 fee with no problem. The 5 managers I spoke with (all at different times) all said they can’t wait the fee and that’s their policy. They would not transfer me to anyone above them and told me the Only way I can connect with somebody at their corporate office is by writing a letter. They also didn’t care that I was canceling my card and going to shop elsewhere. Worst Service EVER! ARCHIVED RE: Transactions Jan 07, 2021 Hello Rachel, We're sorry to hear that you weren't able to receive the help you needed when you called us. After reviewing your account, we found that your bank returned the recent payment of $121 payment because the bank account saved online was deemed as an invalid bank account. Your RedCard account was charged a fee due to this returned payment. We're sorry, but we’re unable to remove the returned payment fee from your account. We understand that this may not be the outcome you were looking for, but we hope you understand that we must remain consistent with our credit policies, in fairness to all our accountholders. Unfortunately, we're unable to arrange for a phone call to you through an online message request. We're sorry for any disappointment. Thank you for taking the time to contact us through Manage My RedCard. Sincerely, Target Card Services, servicer to TD Bank USA, N.A.
Convenience and mobile banking are "ok", but not cutting edge like my other banks. Three stars reflects TD's broken system dealing with pending credits and debits. They process same day transactions sequentially based on a time stamp. They charged $35 in overdraft even though on the same day that a debit was processing a credit had been submitted an hour later, both appearing as processing. Customer Rep was unsympathetic. Bank of America, my favorite, processes credits first, then debits last. In my opinion, TD ranks among the nickel and dime money grabbers. Sad, because I'm Canadian (as are their roots) and want TD to be my primary bank; they haven't earned that distinction.
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Product: TD Bank Checking
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+7760 users submitted a rating without writing a full review
The most straightforward way to make a Target Credit Card payment is online. Log in here and select "Pay Now." As long as you make your payment before 5 p.m. Central Standard Time, it will post the same day.
You can also make a payment by calling 800-659-2396. Follow the automated prompts or ask to speak with a Target guest services representative. Your payment will post to your account within two business days.
You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target credit card ready, so the attendant can look up your account number.
Lastly, you can make a Target Credit Card payment by mail. Send your payment to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
Ways to Make a Target REDCard Bill Payment:
Online. Log in to your Target account on the website and click “Pay Now.”
Over the phone. Call 800-659-2396 and follow the prompts to make a payment.
In a Target store. Bring your billing statement to the Guest Service Counter.
By mail. Send a check and your payment coupon to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
You can apply for the Target credit card online or in any Target store, at the customer service counter. At the store, you will need one piece of identification. You can choose one option from the following: your driver's license, state ID or military ID.
You can locate a nearby Target here. If you qualify, you may be instantly approved -- otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you're approved, your card will be mailed in another 7-10 business days.
The best TD Bank business credit card is the TD Business Solutions Visa because of its $300 signup bonus for spending $3,000 in the first 90 days and its ongoing earning rate of 1% - 3% cash back on purchases. The TD Business Solutions Visa is currently the only business credit card offered by TD Bank, but it comes with some excellent benefits and rewards.
TD Business Solutions Visa:
Purchase intro APR of 0% for 6 months
3% cash back on phone, internet, and cable services
2% cash back at restaurants and gas stations
1% cash back on all other purchases
Signup bonus of 30,000 points for spending $3,000 in the first 3 months
$0 annual fee
Excellent credit required
TD Bank used to offer another business credit card, the TD Simply Flexible Business Visa. It didn't offer any rewards, but did have a 0% APR period on balance transfers for the first 12 months, and a $0 annual fee.
You can fill out a TD Bank credit card application online, over the phone, or in person at a TD Bank branch location. Applying online is the easiest way to do it. Simply provide your name, Social Security number, phone number, mailing address, email address, and other requested personal information and submit your application.
In most cases, you'll get a quick credit decision when applying for a TD Bank credit card online, but sometimes they will need more time to verify your information. In this case, call 1-888-561-8861 and press 4 to check your application status. You'll need to provide your Social Security number to pull up your application.
To apply for a TD Bank credit card by phone, call 1-888-561-8861 and press 3. To apply in person, visit a TD Bank location near you.
This way you can also add cardholders, set card alerts, enroll in paperless credit card statements, and make or schedule your Target Credit Card payments.
Alternatively, you can also call Target's customer service at (888) 755-5856. Hope this helps.
