r/TDBankCanada

TD easy trade vs direct investing. Which one to pick

Really confused because it seems easy trade only has free trades for td etf, but seem to find the commission free etf list for direct investing.

I only have xeqt in tfsa. Not planning on doing any trades actually just wanted to move to td to take advantage of the 2% offer.

reddit.com
u/Lucky_Cartoonist_567 — 22 hours ago
▲ 12 r/TDBankCanada+2 crossposts

1kg silver coin - TD Precious Metal

For a day or two there was a 1kg silver Britannia Coin SKU listed under the secure storage (sold out).

It’s unlisted now. I wonder if they will make that available in the future?

u/FrozenTire — 18 hours ago

TD myadvantage tracks my flight and thinks I'm driving 800 km/hr lol

​

I recently found out that the myadvantage app has changed its 2 week review policy to 1 week and unfortunately some of the trips where my friend was driving his rental car in LA got logged and I can't remove them. Fortunately I saw this one before it got logged or I would have been screwed lol. I hate this app. Anyone have any success calling in to get trips removed? If they can't fix it, I think I am done with TD. The recent rate hikes have been insane and this might be the last thing that makes me want to switch.

u/radeonpussy — 1 day ago

TD Bank locked me out of my account for 4 weeks because their own staff wrote my name down wrong. Now nearly broke and they say “nothing they can do”

in 2023 I opened a TD account at a branch. Brought my ID, the whole thing. Somehow the clerk only put down my first and last name and left out my middle name. Never noticed at the time.

Fast forward to nowand I’ve moved to the UK, my Canadian number is deactivated, and suddenly I can’t get past 2FA. Fine, I’ll just verify my identity another way. Except TD’s system flags a mismatch between my ID and what’s on the account because of the missing middle name. Their own error from 2023.

Been trying to sort this since April 24th. Every call I’m promised a callback. Never happens. Escalated to their Senior Complaints Office and they missed their own 3 day response window. Eventually someone called me back and literally said there is “likely nothing they can do.” Asked about video verification and they refused. They keep telling me to go to a branch... im in the uk with no money expected to fly back to fix their mistake??

I have over $4000 in savings I cannot touch. Missed UK bills. Credit score taking a hit. Nearly out of borrowed money now.

Got an OBSI complaint open and filed with FCAC but both are slow. Has anyone actually managed to escalate something like this at TD and get it fixed? Any contacts or advice welcome.

Case 18562584 if anyone at TD is reading this.

reddit.com
u/Funkydrink — 2 days ago

Cea position

Hi I just recently joined TD Bank a few days ago. It was my second day today. I'm really nervous as I got to know that my Branch had already kicked out one cea before me because of professional misconduct. I am new to banking and quite honestly this is my first office job I don't know how the systems work and to be quite honest after the Victoria Day the branch was really busy and I was not paid much attention my manager did not talk to me much the branch manager just gave me a good tour of the office and then he put me on shadowing another cea. I'm scared. I really want to make a nice career into banking as I am Young. And I see a lot of opportunities ahead of me in the future as well. The systems seem quite complex to me on day 2. Can anyone give me a proper roadmap of how I should get prepared for this job and what steps or measures should I take to be good at it?

reddit.com
u/Living-Analyst9148 — 2 days ago

E-transfer

I have a e-transfer that never went through this morning. Called the bank they said they are aware that there is issues. Stuck in limbo… just an fyi.

reddit.com
u/biller0071 — 2 days ago

TD never lands interview!

i dont know what is wrong with it, i have a good resume and good Canadian experience. i applied more than 100 jobs in TD (all CER btw) and not even one interview! i applied for other banks aswell, i had interview from scotia, CIBC, BMO, even RBC! but not even one interview from TD in the past year and its just pathetic cause they always claim they hire easier than every other bank and yet nothing! this level of pride is ridiculous. not to mention i have a referral in my account, i gennuily need help cause i really like TD bank environment but its just makes me upset as a candidate, i have gone in person to a branch and even the manager was amazed that why i neve got any interview. if anyone knows anything that might help, i would appreciate your help

reddit.com
u/Particular_Stock_318 — 3 days ago

cashback error?

Hi, for context I just recently opened an account with TD, its pretty fresh (around 3-4 months old). I'm a student so I don't really spend a lot, until now I've only accumulated around 11$ with the cashback they offer. I chose a basic visa cashback credit card, to start building my credit score. Well, out of nowhere I got around +100$ of cashback. I looked at the cashback transactions and there's nothing that shows a +100, it just popped... I recently made a complaint about a transaction that Adidas made, but idk if that would explain it.

Can I spend it or will my cashback be put in negative, or worse my credit. This could honestly help me payoff some stuff...

reddit.com
u/Abject-Newspaper5160 — 3 days ago

TD employee banking — can I apply benefits to Unlimited Chequing?

TD employee here. My payroll goes into my staff account, but I use a separate Unlimited Chequing for daily banking and it’s charging me fees.

Can employee banking benefits be applied to the Unlimited account instead, or does it have to stay on the staff-designated account?

TIA

reddit.com
u/Ambitious_Ebb_280 — 3 days ago

Associate planner?

Is this a very demanding job? Are you expected to prospect clients and bring in clients outside of work (hours)?

reddit.com
u/powderpupf — 3 days ago

Warning to TD customers: Debit card quietly deleted twice

I keep my savings with TD, and twice in the past year my debit card/EasyWeb access was randomly deleted with no meaningful notice or explanation.

I use another bank for checking, so my TD account just held savings. The first time, TD told me my debit card was removed because I hadn’t used it for a long period. Fine, there had been about a year of inactivity, but you shouldn’t lose account access just because you’re not regularly using a debit card.

Today it happened again. My debit card number stopped working, and logging in to EasyWeb showed a message telling me to contact customer service. Two supervisors told me I supposedly had two active debit cards (not true, the old one had been deactivated) and claimed they mailed me a notice and replacement card. I received nothing: no mail, email, text, or account message.

Both times, my access was quietly removed without proper notification. If you keep money with TD, something to watch out for. I’m switching to a credit union.

reddit.com
u/Fickle_Owl9984 — 5 days ago
▲ 5 r/TDBankCanada+1 crossposts

TD non fraud dispute help

https://preview.redd.it/44oqf1n8rt1h1.png?width=1290&format=png&auto=webp&s=50384894af9a3d6b9db25c986a4c2ea5faafbf7b

I purchased a mentorship from whop for day trading services, etc. How does the dispute process work? TD said it takes up to 30 business days for a decision or contact for more information. Basically the seller/merchant did an exit scam. after 15 days of review, whop support took my side, but because the merchant withdrew their funds, I could not get a refund. Please check above for reference. Any tips on how the dispute works? first time doing a chargeback.

reddit.com
u/Straight-Leg-7448 — 5 days ago

Pops Canned at TD as FTE 3 years

My pops got canned from his team after 3 years as FTE, is there anything he can do, I mean he was good for 3 years as FTE, always done the job as DevOps, and he gets a call yesterday from VP... We don't need your services anymore... Like wtf??? His evaluations were always superb every year.... And like bye bye. What's the point of even working if companies want to can everyone.... Can he ask why to get a bigger package. We are in Quebec Btw.... HR protects only the rich at TD.

reddit.com
u/kernkraftx89 — 7 days ago

Continue full time or go back to school

I’m currently an EasyLine Representative at TD (L04), and I’m at a crossroads career-wise. I’m already in university as a science student, but I took a gap year and have been working full-time at TD during that time.

I’ve always been drawn toward STEM, engineering, space, academia, etc. That’s been the dream for a long time.

The issue is that I’m trying to be realistic too.

I’m considering going back to school for engineering as a transfer student, but I haven’t even been accepted yet, and the path feels risky. Engineering is obviously demanding, and part of me wonders whether I’m gambling a stable career path for something uncertain.

At the same time, I’m curious how far someone in my current position could realistically advance within TD without a degree. For anyone who started in EasyLine/customer service at TD (or another bank), especially without a completed degree:

- How long did it take you to move into better roles?

- What departments/paths were realistically accessible?

- Did you hit a ceiling without a degree?

- Were you able to build a career you actually enjoyed?

I think I’m struggling between “follow the dream” and “be practical.” I don’t expect to become an astronaut or genius researcher or anything unrealistic, but I also don’t want to spend years wondering what could’ve happened if I tried.

Would appreciate honest perspectives from people who’ve been in similar situations.

reddit.com
u/MacaroonSerious5532 — 7 days ago

How long did your TD background check take?

Hey everyone, just went through the TD hiring process and currently waiting on my background check to clear. Curious how long it took for others especially those with international employment or education history. Did it affect your start date? Any tips on how to speed things along? From what I’ve seen so far… BIG needs to up it’s game, they couldn’t verify my Canadian employment despite me giving them my T4, paystubs, employment form and initial offer letter from that company. While that in itself is ridiculous, I don’t know much they are going to struggle to verify my international employment and education.

reddit.com
u/sasukeuchiha200106 — 8 days ago

Background check at major Canadian bank

I was let go in from Scotia bank in 2024 for cause. It wasn’t fraud or anything illegal. I unfortunately made a stupid comment and I was let go. I’m currently doing a background check at RBC. will I pass the background check?

reddit.com
u/Medical_Studio_978 — 10 days ago

How to resolve issues with their investment branch?

I'm having tremendous problems with TD's investment branch. The issue has been about 2 months, I talked with their local branches 5, 6 times, then got on phone lines more than 6 times. Everytime I got promised to resolve in a couple of business days and would call me back. All I got so far are stone walls and runarounds. I have not received any solid information on what the issue had been and they were working on it.

Did any of you have issues with them and couldn't resolve with their frontline people? Who and where did you eventually find to resolve your issues?

I have talked with branch managers and online resources managers. None seemed useful at all.

reddit.com
u/Busy_Mushroom2408 — 9 days ago

New TD Sophisticated Phishing / Scam

Hey everybody! I've recently seen a new, sophisticated phishing method, and I want to share it to help keep others from getting scammed.

I've been getting calls from 1-888-330-3056 2-3 times a day, although it may seem like a legit number, on Twitter, TD Canada confirmed that it's a legit phone number. However, when I called the official TD number 1 (866) 222-3456 they confirmed with me that they never called me and there are no notes or anything outstanding on my account. They also said that the number is not recognized which confused me because on Twitter, TDCanada said it was legit.

When I picked up the call from that number, I would hear the phone dialing someone. I tried calling back with my Calling App it says "the number you are dialing is unallocated."

When I call back that number on my phone, it goes to the automated TD voice, which sounds really legit. They ask you to enter your access card and answer some questions which shouldn't happen because my phone number is already on file and my voice is already recognized by their voice recognition.

What I think is happening is that they are spoofing that number to get people to answer to provide them with their access card number and their voice so the scammer can use it, then spoof your number when the scammer is calling TD and use your access card, and your voice to access your account and drain it. This method is Sophisticated, because it makes you pick up. This is how TD collections do it, they call you multiple times a day, which makes you think its legit.

reddit.com
u/kevinh1 — 10 days ago