TD Bank Reviews

Bait and switch tactics, changing terms after account established, shady timing with deposits/debits (supposedly illegal now), absolutely insane fees, ill informed reps, poor service.   Terrible bank.

I would rank TD Bank and its credit card among the worst in the industry as far as predatory practices go. If you want to put your credit in a death spiral, apply for and gain one of their cards. Be late on a payment (no ten day grace period as with all of my other cards) and you're immdiately hit with a late fee and your credit allowance is immediately reduced...and the interest rate spikes.  They call it a "trigger". Good luck in trying to get them to reduce it.

Look elsewhere.

Watch for Notifications or SMS from TD bank.  You get them whether you are a member or not.  Their fraud number is bogus.  

great hours open on Sundays

The Fairfield Region in Connecticut is a product pushing machine, they enjoy their celebrations every time they top a specific money making product. The Regional manager with a big EGO in charge of all the locations uses something called a productivity report that shows all the products pushed. Employees must raise the percentages or it's write up time, the managers get beat up and the put pressure on the employees to "deepen" relationships, in other words, they are trained to twist a simple conversation into product pushing. Next time you visit the Fairfield, CT region don't give up any information. You traveling?...apply for the credit card, getting married?...personal loan. Window broken?...submit a mortgage loan application, Two dollars in the bank?...open up savings account....get the picture! All these are design to entrap people in more debt or services that collect fees.
The regional is considered the star of the bank because of these practices, and they had low customer experience results to boot for years. Look at td Canada trust in the news, same behavior. The bank takes the money and sends it over the border to Canada...poor U.S employees not a good situation. Product pushers, led by KThe expert.

Worst bank ever !!!!

There are huge waits on the phone to resolve the similes of issue. ( like unlocking online account). This bank used to be great as commerce bank now they have ruined it.

CLOSED. I spent close to 1500 on this card and my cash reward was 23.00. i couldn't apply it to the card unless it was 25.00 and had to spend 10.00 more. this card sux.

The people at the bank are wonderful in the location i use, but other than that there is nothing pleasant about it. The bank once had a security breach where my card was one of the ones stolen. I was in tx and my card was being used in Boston. I had to wait on the phone for 75 minutes just to speak with someone, and it still took them over three weeks to give my money back when they say '5-7 days'. I've been charged probably 400$ or more in 'overdraft fees' because after two years of having an account they changed the rules about repayment within 24 hours, and never told anyone. They charge for anything they can get money from, like atm fees, bank transfers etc. They even closed my savings account without asking when i took the money out for a vacation. They have dumb terms like having to wait 90 days to transfer money within a week or deposite checks on the app.  Do not get 

TD Credit Card program is a blight on the reputation of the TD Bank services which I am very satisfied with. They have far less incentives, much higher interest rates, and terrible customer service compared to other legitimate credit card companies. No matter how bad your situation, you can do better than TD Credit card, who will turn into a loan shark if you're just a day behind on payment.