r/TDBankCanada

Long story short, I am renewing a mortgage this month as my term is up. I wanted to borrow some additional funds of 15K-20K. I have seen that TD advertises both the refinance Cash Out option + Heloc Line of credit.

I have mentioned at the start that I want the Cash out option and wanted to know all about how it will work, etc. The agent was very informative but right away told me it’s the exact same thing and started to steer me toward Heloc. He seems determined that Heloc is the way and said there is no 2 options just Heloc. I do not want Heloc for many reasons. It’s not a fit for my need or family. Just wanted a lump sum cash out. I feel like there might be some incentive towered the Heloc ? I called TD next day and on the phone the agents (again) after some pushback from end confirmed that Cash out is an option….but normally it’s not what is advised.

Can someone clarify of my TD mortgage agent (I visited my branch in person) is being honest or is pushing a loan on me I do not want ?

I recently set up DRIP on my TD Direct Investing account and I’m trying to understand how long the reinvestment process normally takes.

Some of my dividends have already been reinvested through DRIP, but I have another dividend from VFV (Vanguard S&P 500 Index ETF) that has been sitting in my account as cash for 2 business days without being reinvested.

For those of you using TD Direct Investing:

* How long does your DRIP usually take after the dividend is credited?
* Is it normal for the dividend to sit as cash for several business days?
* Specifically, how long have you seen **VFV** take to reinvest?
* Does TD handle some ETFs differently (e.g. market DRIP vs. treasury DRIP)?

I was told by TD that VFV may be handled differently from some other ETFs, so I’m curious about other people’s actual experience.

Thanks!

Likely going to one of these two over the next couple weeks (3%/1% matches), but I am wondering about GUI/user experience. I know you need to call TD to set up DRIP, but at RBC it looks like you can do it yourself. Both refund transfer fees with proof given to them. I'd consolidate assets into those that are commission-free on either platform (X/VEQT with slightly more US & international exposure through whichever is no-fee), so my question is this:

For folks who have used both apps/services, which GUI is cleaner/better/easier? I am not at all a technopeasant, but for my own NW tracking, it's just nicer not to look at spaghetti code strung together with some crappy Grok prompt.

Could some please guide me what does that role is all about? Like real life experience and how does that work , what skills they need , and do they ask in interview ( internal move )

Got my offer letter a few weeks back, start date was Oct 5, for Branch 1. Since then its been nonstop back and forth.

Background check sat in "Review" for weeks on two items, had to chase down employment letters, ROEs, old T4s from multiple past employers myself, adjudication team just kept saying "talk to your recruiter" for anything else.

In between got a call saying branch might change, between Branch 2 and Branch 3, said I was open to either, then just silence for a week, no follow up.

Emailed to check in as start date got close, got bounced between two different recruiters, one straight up said he's not even the recruiter for my district (but was the main point of contact for me), the other said (who originally signed my offer letter) the role she had me in mind for got filled internally while I was still sitting around waiting on another branch confirmation.

Start date literally came and went and still no branch confirmed.

Not saying anyone's being shady on purpose but the lack of coordination between people internally made this drag out way longer than it needed to and honestly kinda stressed me out for nothing. Anyone else had onboarding drag like this? Did it sort itself out eventually or is this usually a bad sign?

Like I am really depressed right now I tried so hard to enter into banking and still this is how my onboarding is treated.

I’m interested in hearing from people who currently work or have worked at TD as an Associate Software Engineer/Developer.
I’m not really looking for the usual answers about “learning opportunities,” “collaboration,” etc. I’m more interested in the things you only realize after being in the job for 6–12 months that aren’t obvious from the job posting or interview.
For example:
-Is the work actually interesting, or does it become repetitive?
-How much time do you really spend coding vs. meetings, tickets, maintenance, support, etc.?
-Do you actually get better technically, or can you plateau?
-Can you move up quickly if you’re a strong performer, or is progression mostly based on time and available positions?
-What surprised you about the job after joining?
-What do you wish you knew before accepting the offer?
-After working there for a few years, do you actually like what you do?
-If you could go back, would you still choose TD?

I’m especially interested in honest experiences from people who have been there 6 months to 5+ years. I’m trying to understand what the job is really like once the “new employee” phase wears off.

Hey everyone. I need honest advice.
I’m currently a TD part time CEA for 4 months now (done with probation). I’ve expressed to my MCE about my plans to take IFIC exam and move into a full time PBA role. She let me know that TD requires me to spend minimum of 8 months to 1 year as a CEA before they would consider me for a promotion.
I paid for my IFIC myself and I took my exam today and PASSED!
My priority right now is getting a full time job and currently my options are- Stay with TD, keeping my partimejob or start applying to other banks.
Moving to another bank means starting from ground up again from probation, learning new bank systems and process or stick with TD where I’m done with probation, have a solid foundation of the systems/processes and hope for a promotion by the 8th month-1 year mark (February-June 2027).
What would you do if you were in my shoes?

PS- I plan to inform my manager of the new development later this week and the response would seal my decision.

Some background. I have a HELOC at TD and a chequing account which were taken for funding a home renovation. The contractors will take e-transfers but the daily and weekly and monthly limits are so low they are basically no use . I was told to call in and have it run through system and maybe would be increased. I did that, and no luck. This is extremely frustrating that it’s this complicated to access my money and yet this was how it was explained to me to do it when all was set up. Not sure there are any options, but if there are, I’m listening.

Burnt out at TD EasyLine/Digital Tech — looking for a way into analyst or operations work

Hey everyone, I’m based in Montreal and have about a year of experience at TD in EasyLine/Digital Tech, handling troubleshooting, transactions, and financial inquiries. I’m bilingual in English and French, and I’m looking to move into an analyst, operations, or consultant role, ideally at another financial institution.

Honestly, I’m exhausted. I keep getting late shifts, including Fridays and Saturdays, and it feels like I have no life outside work. The queue is relentless, the AHT target is now 335, and between late-night call listening and constant checking for unscheduled breaks, I feel micromanaged on top of everything else.

It’s my first year in Canada, and this isn’t how I hoped to spend it—constantly stressed and too drained to enjoy being here. I’m willing to work hard and keep learning, but I need a change and a role where I can see a future.

If anyone has made the move out of banking call centres, knows of openings, or has connections that could help, I’d really appreciate hearing from you. I can share my CV privately. Even advice on which roles to target would help.

I’m just tired of feeling stuck and ready to move forward.

Hello!

I created my account using the promo code for the 3% cashback on the TD EasyTrade app, then completed the manual registration on their website a few days later. Now I’m 2 weeks in, and when I call the TD EasyTrade call center, the rep still can’t see my registration for the promotion.

Is this normal?? How did you guys make sure you were properly registered to avoid any issues with the payout?

I have a bad credit score (580) and I’m trying to take out a home equity loan of 150k using a home worth 1.5m that’s paid off. Is there a chance I’ll get approved by TD? Thanks in advance.

Long story short, I have some extra money and I want to pay off my brother’s credit card debt as a gift because I know he’s struggling and well..I am not. It’s around 20k, am I able to just do that using the bill payment feature online? Will the funds be held or will issues come up because it’s not my credit card I’m paying? If so, what’s the best alternate way to do this?

Does HR get notified when a teller makes a huge mistake that causes the branch to take a significant loss?
Around 1000$

The situation is that I deposited a TD cheque , TD cheque so i can verify the funds, but I didn’t follow the hold code properly, and the cheque was eventually returned.

I want to remove myself from a joint account for which I am one of four account holders. The account was created to pay bills during a long-since ended relationship. I looked around online and it seems the only options are for all four joint account holders to sign at the branch in person, or to move the funds to a new account without me and then close the old one.

Can anyone confirm if there’s a more efficient option? Any help is much appreciated.

Edit: I can’t unilaterally close the account. It’s not truly mine and that would screw up my ex and her family.

Wanted some advice.

I called TD Bank on the phone to help out with an issue with my credit card. Afterwards they told me I was eligible for a promotion. They told me my account is eligible. So I decided to sign up.

I'm reading the fine print I may not even be eligible.

If I don't get the promotion, will contacting them to say I was mislead help me in any way?

From my understanding these calls are recorded, so maybe they can pull the audio?

Not even trying to give the customer service a hard time. May have been a simple mistake. But is it worth asking?

Thanks

As the title - How do I get i interview from Workday. I tailor my resume, and its almost perfect.

I have been trying from last 5 years and literally never got interview naturally.

Someone said, If you don't know Hiring Manager directly, its almost impossible to get permanent fulltime position by naturally applying through workday portal.

Big completed bgc on sept 24 and it has been with TD for
Review any idea how long TD will take to answer? It has been a week with TD no response-

Planning on giving my 2 week notice soon. Do they make you go in office for the 2 weeks? Also, do they give shipping label for the equipment or do i have to drop it off?

I was working as a contractor last year, like most contractors, I wished to get a permanent full-time position, so I asked my manager for more responsibilities so I could make a case for her to give me a full-time role after my contract. I neither received any additional responsibilities, nor did she give me any useful advice on career development.

I still maintained good behavior, and we usually went out for coffee or tea during breaks, just as I did with other colleagues. I thought that maybe it was all about staying calm rather than being a workaholic by asking for new responsibilities, so I remained patient.

I saw her hiring people from outside for the same level, but I remained patient until the very last month of my contract. I did not ask for a permanent position this last month, but she extended my contract.

That last month, I was not sure if I would get an extension, so, as anyone else would do, I started looking for positions both in other departments and outside TD.

Luckily, I got a position outside TD. Even though she extended my contract, I gave her two weeks' notice as required by my contract. She asked if I could stay for three weeks or a month, but due to the urgency of the new employer, I was unable to do so. However, I assured my manager that I would be able to create SOPs and easily teach others how to handle my tasks within two weeks. (She put her for employment verification/reference, she did gave reference for this other position during my 2 week notice, when I was in duty handover process.)

I was able to hand everything over with detailed SOPs that even an 18-year-old could follow. I held multiple sessions with the team, and they signed off on my handover work.

I did all of this to be professional and avoid burning bridges. On my last day, I returned my laptop and left a thank-you note for my manager for the opportunity.

Eight months later today, when I saw a new position at TD in a different department, I thought I would reach out to my former manager on LinkedIn for a reference. When I messaged her, she blocked me. I checked using a friend's LinkedIn profile and confirmed that she had not deleted or deactivated her account; she had actually blocked me.

Now, even though I could get a reference from someone else, many projects ask for the name of my manager at TD for verification purposes. I am not sure how to handle this situation.