TD Bank Reviews 

About 10+ years td was charging twice for 2 big safety box in Feb then Nov. I would have to call them. So they fix it and said it will not happen again but it happen again. In my opinion that is fraud. to get money out of me. So I went to a different ban not the TD.
Now they are charge me about $60.00 then $160.87 in one month that is Nov. 2026 My opnion that fraud again to get money out of me.
I going to the RCMP fraud division and giving this report.

Worst bank, hidden charges, random "fees" and "service charges". Long wait times to talk to customer service on phone. Awful awful bank.

The local branch where I live is amazing. All the tellers are so helpful and friendly. They are very knowledgeable about the accounts and rates. The hours are super convenient! My Teller Laura was so sweet and patient with all my banking needs.

After paying off a $325k mortgage with TD Bank, the branch manager, Juan, said they were unable to assist me with a request, because it would take too much time and cost them too much money.

When I reminded them they had made plenty of money on the mortgage I had just paid off, Juan said that it was my choice to bank with them, and they owed me nothing.
Evidently, customer loyalty is too “expensive” for TD Bank. 😉

They are terrible with costumer services they would make decisions on your card that you did not make for example locking your card without telling you they will have you on hold for a whole 30 mins and am serious not joking

Incredibly long wait times for customer service. I was on hold for 1 hour and 45 minutes.

Terrible customer service. Almost impossible to talk with a human on the phone or in person, other than tellers who cannot help with account setup or issues. Monthly maintenance fees are high. Without asking, they turned in paper statements to my account, which they charge $3/month for, which then dropped my account below the monthly minimum threshold, resulting in more fees. I went into bank and they said no humans were available all day to help me, and that I should call to make an appointment. I called, but was on hold for 15 minutes and never reached a human. I will be closing this account.

Never ever ever open an account at TD bank. A few of their branches might be ok, but the institution is completely not customer focused. They do weird stuff like say funds are available in your acct then a day later retroactively put a hold on them. In our case causing us a lot of problems with a sudden overdraft. Keep in mind the bank had our money. Its been one thing after another with TD bank.

1.4 stars when I saw review rating for TD, makes total sense to myself, and also my family now.

25 Years of Banking with TD, and two Experiences That Have Cost Them Our Trust

My family and I have been banking with TD for a quarter of a century. After what we've experienced over the past week, I can honestly say they have given us some serious reasons to reconsider that relationship.

It started with my daughter. ICBC wrote off her vehicle and issued her a certified cheque for the settlement. She deposited it in person at the TD branch where she banks in Maple Ridge. She had already negotiated a deal on a replacement vehicle and needed a bank draft to complete the purchase.

Instead of receiving reasonable assistance, she was met with what I can only describe as an arrogant and dismissive attitude from a young teller who told her he could place a hold on cheques at his discretion. He proceeded to do exactly that, jeopardizing her opportunity to purchase the replacement vehicle she had arranged.

When we spoke with a manager, we were told the hold couldn't be lifted. After looking into the matter ourselves, we found that this wasn't an absolute rule. There are circumstances in which a manager can authorize the release of a hold. Yet nobody seemed interested in exploring the options or helping resolve the situation.

My daughter had already been without a vehicle for over a month because of delays in ICBC's processing. The last thing she needed was her own bank making an already difficult situation worse.

Then came incident number two.

My son deposited his first-ever paycheque from a well-established Canadian company with decades of history. Once again, TD placed a hold on the cheque.

At the Mission branch, I was again told that the hold couldn't be lifted. I challenged that explanation and pointed out that a manager can authorize the release of a hold in appropriate circumstances.

The teller went to speak with the manager, who was on her phone texting. From what I witnessed, she appeared annoyed at being interrupted and dismissed the situation without any meaningful consideration of my son's circumstances.

The result? My son was left stranded in Abbotsford, in the pouring rain, unable to get an Uber home because he couldn't access his own pay.

Two different family members. Two different branches. Two separate situations. The same lack of empathy and willingness to help.

I understand that banks have policies, and I recognize that cheque holds can sometimes be necessary. The issue isn't simply that a hold was placed. It's the way these situations were handled, the apparent unwillingness to consider the circumstances, and the impression that customer service no longer matters.

A bank's responsibility should go beyond quoting policy. Customers deserve accurate information, respectful treatment, and a genuine effort to explore available options when legitimate problems arise.

After 25 years of banking with TD, I find these experiences particularly disappointing.

My wife and I have a mortgage renewal coming up, and TD was on our list of financial institutions to consider. They are now off that list.

Customer loyalty is earned, not guaranteed. When a bank treats two members of the same family this way at two separate branches, it raises serious questions about its service culture and priorities.

TD, you have had our business for 25 years. It is disappointing that two separate interactions in a single week have made us question whether you deserve to keep it.

Policies may explain what a bank can do. They don't excuse a lack of professionalism, compassion, or common sense.

Have a hard time talking to a TD Bank representative at one of the branches in Brick New Jersey have a hard time understanding her explanation tried telling her what was going on I have an issues with my account told her that my financial status wasn't so great but yet she kept pushing a TD Bank credit card on me despite my disability they didn't seem to care about that

AMAZING!!! Not sure why it gets such bad reviews 😨

Just gross. Stay away

TD security agents are very rude and does not give straight answer. You wait for an hour to talk to an agent, you get disconnected and no one calls back. Very disappointed in the service

Do you want to experience poor banking service?
If so, head over to the TD Bank US branch at 1837 Richmond Avenue, Staten Island.
The staff there include bankers Enid Lopez and Modeline Casale, working under the supervision of Rocco Guercio.
On September 29, 2026, Enid Lopez spent four hours opening an account for me—all because she made countless mistakes. She couldn’t even enter my address or passport number into the system correctly; she kept having to redo the entries, only to make new errors each time. Furthermore, she was unfamiliar with the bank’s own basic product offerings—for instance, she couldn’t even provide instructions on how to initiate a domestic wire transfer.
On October 15, 2026, Modeline Casale attempted to add my wife’s name to a joint account. This process took her two hours—which, compared to Enid Lopez’s performance, is practically Formula-1 racing speed! Yet, a week later, my wife’s name still hasn’t appeared on the account. When we called, Ms. Casale claimed that TD Bank’s back office is simply inefficient. She also mentioned that Mr. Guercio is aware of the situation but is unable to do anything about it. When asked when my wife would actually be able to use the account, none of them could provide an answer. That is just how “America's Most Convenient Bank®” operates.

My personal checking account got closed for no reason total discrimination , first i got harassed with phone calls from my local branch trying to sell me different products or services i didnt need or ask for i refused to buy anything from them then they closed my account.

Good luck getting your money if you have a business account.

I had a very simple estate with me as an executor and one beneficiary. My father had used TD Bank and when I mentioned to TD thst my father had passed they immediately froze the account even though I was the only beneficiary through a legitimate will not requiring probate. I’m very upset they only have one estate office in all of Canada back east and I’m located in British Columbia so my best recommendation is if you’re having an estate file and you have to deal with TD go see in a wills and estate lawyer first before going in to TD Bank because they will delay and drag their feet and delay and drag their feet and give you no legitimate legitimate reasons for the delay. very very disappointed once again please see a wills and estste lawyer before you go into TD upon the death of a loved one

My experience with TD Bank’s handling of a dispute involving nearly $400 has been completely unacceptable and has eliminated any confidence I had left in this institution.

For almost TWO MONTHS, TD has failed to provide a meaningful resolution. Instead, I have been repeatedly passed around, asked the SAME questions regarding what occurred between myself and the merchant, provided the same information multiple times, and then told—again—that TD requires more time.

At this point, “we need more time” is not an adequate explanation. What exactly has been accomplished during these nearly two months? Why am I repeatedly being asked for information that TD already has? Why does a customer have to continuously chase a major Canadian financial institution for basic accountability regarding their own money?

I am currently in EUROPE. Every time I have to call TD to chase this dispute, I am dealing with the inconvenience and expense of international communication because TD has failed to resolve an issue that should not require this level of persistence from the customer.

The hypocrisy is particularly difficult to ignore.

When TD is entitled to money from a customer, TD has no difficulty enforcing its deadlines. Credit card payments, interest, account fees and other charges are governed by strict timelines and policies. Customers are expected to comply, and financial consequences can follow when they do not.

Apparently, deadlines and accountability become considerably more flexible when TD is the institution responsible for dealing with a customer’s money.

I recently paid approximately $2,500 to completely pay off my TD credit card because I intend to terminate my banking relationship with TD and continue banking elsewhere. I have satisfied my financial obligations to this bank. Yet I am STILL being forced to maintain contact with TD because they cannot bring a single dispute of approximately $400 to a conclusion.

The irony is extraordinary: TD expects customers to meet their financial obligations promptly, while I have spent nearly two months asking TD to demonstrate the same urgency and accountability toward mine.

And there is no compensation for the customer’s time. No compensation for the international calls. No compensation for repeatedly explaining the same situation. No compensation for the hours spent following up. No compensation for the stress and mental exhaustion created by having to continuously pursue a bank simply to obtain a resolution involving YOUR OWN MONEY.

To make matters worse, my most recent interaction with a manager was appalling.

When I challenged the handling of the dispute and asked for her name, her response was that she “doesn’t tolerate disrespect.”

That response perfectly illustrates the problem.

A customer who has spent nearly two months being sent in circles, while calling internationally and repeatedly answering the same questions, is entitled to demand answers. A manager’s responsibility is to de-escalate the situation, take accountability and provide solutions—not become defensive when confronted with legitimate criticism about the bank’s failure to resolve the matter.

I am not asking TD for a favour.

I am not asking TD to waive money that I owe them.

I am asking TD to resolve a dispute involving MY MONEY.

I fulfilled my obligations to TD—including paying approximately $2,500 to clear my credit card balance—and I expect the institution holding my money to demonstrate the same respect for financial obligations that it demands from its customers.

If TD requires customers to respect its deadlines, TD should be prepared to respect ours.

If TD expects customers to accept financial consequences when they fail to meet their obligations, TD should be prepared to explain what accountability exists when TD fails its customers.

And if nearly two months can pass while a customer is repeatedly asked the same questions and told to continue waiting, then TD seriously needs to examine what it considers acceptable dispute resolution and customer service.

I am closing my relationship with TD not because of a single $400 dispute, but because of what the handling of that dispute has demonstrated about the institution: a disturbing imbalance between the accountability TD demands from its customers and the accountability it appears willing to accept for itself.

Resolve my dispute. Return the money I am entitled to. Allow me to close my accounts and finally end my relationship with TD.

I have waited long enough.

My husband and I had a very frustrating experience with our TD Bank HELOC application.
From May through October, we dealt with repeated requests for documents and information we had already provided. Communication with Jahnique White and Karen Elder was disappointing, and the process took much longer than we expected.
As Deaf customers, clear and accessible communication is especially important to us. Unfortunately, we felt that our concerns were not being addressed effectively.
After months of waiting, I finally contacted our local TD Bank branch for help.
I hope TD Bank improves communication and coordination between its loan processing department and customers.