r/tdbank

I have a business account with TD. I had misplaced my cash card by mistake. I went in to get a new one. You can no longer get one immediately in the Branch. It takes SEVEN DAYS!!!!!

You want it sooner........pay $over $30. I need my card for transaction daily. I can't do Apple Pay for some things. This is a disaster. The policy is a joke. My search for a new bank starts TODAY.

It is a Shame. They used to offer great customer service.

I'm stranded in Vancouver. And I was asking friends to help get my 300 dollars to get back home. And then tonight, I went to a Spring Financial website to ask for a loan.

When I put in my 16 digit card number and my password, TD IMMEDIATELY locked my account and sent me notification by email and text.

Ok. I appreciate TD making sure my account is safe.

But when I called TD they said I need to specifically have a Driver's licence or a passport to verify me.

I said I'm disabled so I can't drive. And I'm on disability so I can't afford to leave the country. But I have my Alberta Government issued ID. Looks exactly like a driver's license, just doesn't allow me to drive.

So they can't verify me on the phone. I cannot access my account. I have no money for transit or Uber or taxi. I'm disabled and will have to walk 5.7 KM tomorrow to get to a TD branch.

I'm not asking for money at all. And even if I wanted to, money can't even be put into my account. So don't think I'm panhandling.

Im just sick it TD. My card is still good. There were no fraudulent charges. No one hacked into my account. And I can verify who I am with all the information on the account. Name. Address, phone number (for 1 time passcode) I can tell off the top of my head my balance. My last purchase, my last 6 deposits into my account.

But because I don't drive or have a passport, I have to get to a branch. When I'm disabled and have no money for transit or taxi.

TD is horrible.

TD vs Scotiabank: How do I get TD to compete before I move everything?

I've been offered a pretty compelling package by Scotiabank to move all of my banking and investment business over:

• Prime-rate HELOC
• No-fee Visa Infinite Privilege card
• $6,000 for transferring my personal investment accounts, plus 20 free trades per year
• $6,000 for transferring my corporate investment accounts, plus 20 free trades per year

For context:

Personal assets: ~$2.5M

• $10K-$15K in chequing
• Remainder in RRSP, TFSA, and non-registered brokerage accounts

Corporate assets: ~$3.5M

• ~$250K operating float
• Remainder in a corporate investment account

I also currently have:

• A HELOC on my cottage at Prime + 2.5% (opened when we bought the cottage, which is now mortgage-free and worth roughly $600K-$700K)
• A $100K unsecured LOC at Prime + 4%

The truth is that I don't really want to leave TD. I've used TD Direct Investing for more than a decade, I have a branch close to home (including a safety deposit box), and I actually prefer the Aeroplan Visa Infinite Privilege card.

What I'd like from TD is fairly simple:

1. Waive the annual fee on the Visa Infinite Privilege card.
2. Reduce my existing cottage HELOC rate to Prime.
3. Add a second HELOC on my primary residence (mortgage-free, worth approximately $1M-$1.25M) at Prime.

Today I went into my local branch and spoke with an assistant manager. The conversation was disappointing. He essentially told me there was nothing he could do, explained how investment transfers would work if I left, and mentioned I'd have to pay fees to discharge the existing HELOC on the cottage. I was also told it would cost roughly $1,500-$2,000 to establish a HELOC on my primary residence.

Given the size of the relationship, I was surprised there didn't seem to be any interest in retaining my business. It felt like I was dismissed fairly quickly.

Has anyone been in a similar situation and successfully negotiated with TD? Are there specific departments, relationship managers, wealth management contacts, or retention channels I should be speaking with rather than a retail branch employee?

I'd particularly appreciate input from current or former TD employees.

TIA.

TL;DR: Scotiabank is offering me a prime-rate HELOC, a no-fee Visa Infinite Privilege card, and $12K total to transfer ~$6M in personal and corporate investments. I'd prefer to stay with TD, but I want them to waive my Visa IP fee, reduce my existing HELOC from Prime + 2.5% to Prime, and add a new HELOC on my mortgage-free primary residence at Prime. My local branch essentially told me there was nothing they could do. Who at TD should I be talking to, and has anyone successfully negotiated similar terms to keep their business with TD?

I called TD bank today 14-Aug-2026 12:40 EST and asked Julie if there is online bank system provides last log on and time and the answer is NO.

Don't people think it is important to be able to confirm that they where the last person to log into there account ?

I have a credit line with balance of $66,000 which I paid last week and i contacted them, they told me the hold will expire 13th august and will be available today but it’s 11 am now and it’s still not available but there is a transaction saying “DECR UNCOLLECT” I don’t know if what’s happening… is it too early to be available or I have to call them

I deposited $250 in cash at TD today and they are asking where it came from, employment, etc. All this over $250 measly dollars? Why is TD so anal about this all of a sudden?

so i just went into the branch a couple days ago to open my small business account with td, everything was going well, had my ein and my business certificate and all my personal document for my sole proprietorship. then they print out the form to say does all this look good and i’m like, no the ein is where my social should be and my social is where the ein should be. long story short, after 2.5 hours they come up with a "fix" for the problem.

next day i go make my first deposit and now today, it’s showing that i have no money and when i called they said my account is frozen. here’s the kicker. it’s cause the ein and social don’t match. does anyone know what to do from here because i am at such a loss. i just started my business and have bills to pay and now my account is frozen because they made an oopsie on my application.

No I am not stupid.

Yes - developer options disabled, usb debugging disabled, vpn's disabled, biometrics on, remember me on, 2fa ever log in off, etc etc etc etc etc etc etc.

No this has not always been the case, it started last week and just hasnt stopped.

Yes I reset the app

Yes this is annoying and inconvenient because I have to sit there and wait a minute, or two, or god knows how long till they send the SMS and for it to be received.

Yes I am willing to quit this stupid freaking bank just because of this. I do not tolerate multi billion dollar businesses not giving a damn about the mobile experience.

I’m in Alberta and looking for advice from anyone who has dealt with something similar.
In 2021, I opened a TD joint savings account with another person for my sister’s Group of Five sponsorship. I transferred $16,000.92 of my own money from my RBC TFSA into the account for the sponsorship.
I have a TD document dated March 4, 2022, showing the account had $16,000.92 and was listed as “JOINT – ALL TO SIGN.” I also have documents showing the money came from my RBC account.
Recently, because the sponsorship was cancelled, I went to TD to withdraw the money. That is when I discovered that the money had apparently been transferred in 2023 and the joint account was subsequently closed.
I went to the bank with the co-signer. TD told both of us that the money had been transferred from the joint account into the co-signer’s personal TD account. TD showed me documentation related to the transfer. There was also another transaction involving another account that they are still reviewing.
The part I don’t understand is how the money could be transferred and the joint account closed without my knowledge or authorization, especially when my document says “Joint – All to Sign.”
The co-signer said she did not receive the money when the bank manager asked her, and said the money was for her sister’s sponsorship.
TD has opened an investigation and given me a case number. A Customer Care Manager is currently reviewing the complaint, and I have provided/will provide my sponsorship documents and proof showing the source of my money.
My questions are:
Does “Joint – All to Sign” normally mean both account holders must authorize a transfer?
Could one joint holder potentially transfer money online without the other person’s authorization depending on the account setup?
What records should I specifically request from TD to determine how the transfer was authorized?
If TD confirms the transfer did not follow the account signing requirements, would the bank potentially reimburse the funds?
Is there anything else I should be doing while TD’s investigation is ongoing?
I’m not trying to make accusations before the investigation is finished. I just want to understand how this could have happened and what my options are for recovering my money.

I opened an account with TD about a week ago because I moved and my primary bank doesn’t have branches in the area. I have been waiting over a week for my new card to be delivered and it has not so I haven’t been able to add funds. I finally just zelled myself 10$ and I received an email from TD confirming it was deposited into my checking account but when I logged in it said I do not have any active accounts. I was just able to access my account two hours ago so I am not sure what could have happened. Has this happened to anyone else?

Hi everyone! I’m a college student majoring in Business Administration and I have an upcoming interview for a part-time Associate Banker role at TD Bank. I’ve read the job description, but I’d really appreciate insight from people who’ve worked in the position or at TD. I’m hoping to understand what the interview focuses on, what the day-to-day actually looks like, how supportive the training is, and what part-time scheduling is realistically like for students. I’d also love to know what questions hiring managers appreciate during the interview. Any honest feedback about interview expectations, daily responsibilities, training, part-time scheduling, or branch culture would be super helpful. Thanks in advance to anyone willing to share their experience.