TD Bank US Reviews

I would say a Kudos is in order for TD for at least attempting to transition us all away from the miserable tedious experience of the last app. I mean, c’mon people, that was the definition of pathetic and apathetic co-existing in the same sphere. Any-who, TDBankUS is just as pathetic. Unfortunately, I have to take back the aforementioned Kudos because TDBankUS is just flat out broken and won’t connect. I have this to say to TD: Please guys, get with the program. Live a little, and spring for a decent app developer. At least pretend that you care by putting out a basic app that actually functions. Is that too much to ask? Is it too much to ask a major bank to bring itself into the 21st century? If McDonalds and Dunkin Donuts and every other 2-bit company worth their salt can publish an app that functions reasonably well, why is it such an excruciating chore for TD to follow suit? Maybe we will never know. Or maybe someone somewhere will read this review, wake up, and publish an app that the customers can actually use without wanting to change banks just on principle. Stay tuned.

With TD over 5the yrs. Experience with personal and business accounts. The only reasons I’m staying with TD are convenient long branch hours and locations.

Online system is woefully inadequate. Allows translation history for only past 60 days. Trying to reconcile accounts at the end of the year is a nightmare. When asked for a download of activity - TD suggested looking at individual monthly statements. I find this limitation incredibly shortsighted. Most people around me left TD partly due to that. I’ve stuck around but will likely leave as well.
Online system functions are not well organized. One can’t add notes to individual line items.

Getting rid of the coin counting machines was a bad move. Kids loved it. Should have not ceded to a few bad articles and just admit that the coin machines are mostly for entertainment purposes not commercial exchange and thus can be sometimes inaccurate.

Till recently, had no second factor verification system. Thankfully rolled out one recently.

TDBankUS has seen significant improvement especially once TD merged business and personal account apps. Still. TDBankUS significantly lags apps for comparable banks such as Chase, City, CapOne.

Branch staff and phone support is decent. The claimed ‘wow’ phone service sometimes takes 15-20 mins to answer but it’s 24/7 and mostly not bad.

Hope TD management gets their ‘information systems and apps’ act together soon.

Total garbage. I like TD Bank as a whole, but TDBankUS is complete garbage. They take it offline for a complete weekend so you can’t access your accounts at all. Sure why not. Come Monday, I had the same issue as many others. TDBankUS said I needed to update but when I went to TDBankUS Store, no update was available. (I saw TD was responding that it wasn’t directing the correct download, but mine was on the right one and still showed “open” instead of “update” I had to wait until Tuesday to actually get in. The “update” was suppose to make things better. Since then, TDBankUS has been down CONSTANTLY. It’s down right now. Try to sign in you get “Hmmm something’s not quite right” with “access is down at the moment” below that. It’s RIDICULOUS. Your a bank. People need to get at their money at anytime day or night. Makes it impossible to do so when TDBankUS /website is down consistently. In closing, I’ll be switching banks
Because of this, But I won’t say to which one. Some people leaving reviews saying other bad reviews are plants for other banks to leave bad reviews just because they are naming other banks.....no...all those reviews are spot on. It’s the people saying TDBankUS is great that I find fishy. PLEASE, avoid TDBankUS like the plague. Run far away.

I can’t even exaggerate how horrible TDBankUS is because whatever is happening.. is in fact 100% accurate. I’ve used TD Bank for years and had their app for years. They’re always the last to update to latest changes. It took forever to get Fingerprint ID and then FaceID. Not only that, but everyyyyyy time I try to log in to simply check my balance, there’s always some sort of “technical problem”, “under maintenance” or flat out freezes. You can also forget about checking your accounts past 12am. If you work a night shift, tough luck! It wasn’t until recently that I need to use TDBankUS more often and every time, it’s down. My friends and families have the same issue and we’re all planning to switch banks. This is also the only bank that I’ve seen where there’s no notifications or at least they don’t make it obvious. My other credit card company sends me updates every time something changes. TD bank doesn’t say a single word! So absurd!

DO NOT PURCHASE FOR FAMILY OR FRIENDS AS A GIFT UNLESS YOU PLAN ON TELLING THEM TO USE THE MONEY IN 1 YEAR! My daughter received a gift card for her Birthday. She held on to it to save for something she wanted. She comes to tell me that her card isn’t working. Needless to say, I can TD bank and they card her $2.50 each month for not using the card. Then I am informed that you can’t use the card for online transactions until it’s registered BUT charged my daughter 5.00 for an online game. How does a charge get on a card that wasn’t even registered!?!? First, someone purchased the card as a gift from their BANK ACCOUNT! You received your money for the card. Why are you stealing money from someone’s “GIFT” card. Do you know the definition of a gift - a thing given willingly to someone without payment; a present. — Why does TD bank feel they are in the RIGHT to steal from another person. I have been an outstanding customer for over 20 years and this is how you treat people. I’m disgusted! Not only for me but to the millions of customers they might have done this too! You should be ashamed of yourself!

I’m giving TDBankUS only 1 Star, because 3 times now, when I made multiple deposits at a time on my phone in the past few months, it sets off TD’s hypersensitive ineffective “fraud alarm”, and puts a 12 day hold on my checks.

I am freelance musician, so getting paid in multiple checks a week is common for me. It took the third time this happened for someone on the phone to finally alert me as to why this was happening. The frustrating thing is that it keeps flagging checks from clients that I deposit from on a regular basis, and never have had issues with their checks previous.

The whole point of mobile deposit is so I don’t have to go to a bank on my busy schedule, and seeing as that I am self employed, I don’t have a “direct deposit” option either. Now, if I want them to lift the holds on the checks, I have to go to a branch, and wait for someone to help me and sort out the mess, which takes WAY longer than just going to a bank and depositing checks. Fix your crappy fraud alarm on TDBankUS, TD, and I’ll consider not closing every single one of my accounts with you.

Opened my account, TD made 2 credits and 1 debit to my Schwab account for verification. I could not verify because TDBankUS (and website) wouldn’t let me log in anymore. It said to visit a branch or call. So I went to the closest branch in Pinehills Massachusetts, told them I had just opened an account and needed it verified so that I could get online access (and made a physical $1k deposit). Next day, still no access. Called TD bank and was told I needed to go to a physical branch to verify my identity. That was the whole point of me going to a branch yesterday! Especially with Covid going on now I have to leave my house 2 days in a row for what should be an unnecessary trip.

The two stars for TDBankUS are because I set up the account, created a user name and password that worked for about 3 days, but suddenly became unusable without any sort of notification or explanation. “Reset password” and “Forgot Login” didn’t prompt any email action either. Just instructed to call (where I sat through several minutes of “did you know you can reset your password with our app?) If more physical verification was required I could have been told in the first place, instead of waiting 3 days for a ACH transfer only to be locked out of my own account immediately afterwards. Makes zero sense; not a great start with this banking app.

I don't know if it's the bank, TDBankUS or just both. I've only been a member for 2 months... So many snafus and mishaps from this bank and app. The bank has a very long processing time, TDBankUS doesn't keep you on top of your spending, the bill pay is just weird to say the least. I made a payment that wasn't taken until a week later but TDBankUS says the place already took the payment? I called and they said the place took the payment, but didn't cash it... for a week... okay. And then I had to un-enroll from overdraft protection because they're fees are $35 per transaction (which is absolutely ridiculous) and then enroll again because my transactions weren't clearing fast enough but I had to write a check out for my rent. I check my account the day of and of course I don't have enough now. So even after I enrolled back into overdraft protection they STILL returned my check back due to "insufficient funds" after I was told that is should be activated within 24hrs. I guess not. Don't know if it's the bank, or TDBankUS or just both, but I haven't had this problem with any other bank.

I have had TDBankUS for awhile now and have fully enjoyed the convenience and ease of use. However, over the past month I have run into problems. Today, I tried to access my statement via the mobile app. It opened fine, but as soon as I tried to expand the screen— TDBankUS closes! Tried this several times, same result. I deleted TDBankUS , cleared my cache, turned off my phone. Then re- downloaded TDBankUS . Tried going in again and downloaded my statement and expand the picture— again— app closes! I tried doing it via online website on my computer only to have it tell me my access info is incorrect. So I try to recover the info, give it the info they ask for— and it tells me it can’t complete my request. I called customer service just to have the woman tell me she can’t help me with the mobile app stuff (it’s your phone, she says). And also tell me that I have to use Google chrome for a web browser on my computer because the website likes that search engine better. Are you kidding me?!’ You May have lost a customer, TD!! Very disappointed!

As a software developer, I know how the sausage is made. I can tell that there are a couple thousand hours bug fixing and tens and thousand of hours making new features. As long as it works when I want to use it, I’m happy, if not glad, that these amazing people have dedicated their hours getting a robust program out. What gets the bad review is that with the latest update which Td made brought the education and other features to TDBankUS only to find out that they caused TDBankUS to crash. It’s like saying we made the feature and corporate wants these features out now. So let the users test it and we’ll issue a bug fix tomorrow. Hey I may be wrong, it may have been there was an on going maintenance run that I may run into. Then post it on your app. It really shouldn’t to be too difficult to get an appropriate image saying yea we’re closed come back in 15. The 5 stars is for the all the devs pms behind. Sorry for losing 2 stars. Look up to the management to see where you lost them.

TDBankUS is a must for me to keep track of my spending and bill pay. I find it easy to use. One of my favorite features is being able to contact customer service right thru TDBankUS . When they pick up I don’t have to give them any information. My account populates for them instantly, which means they can get right to my question/ concern. The one thing that I really wish TDBankUS had was an app based notification system. I know there is an option to get texts whenever there is activity on your account, but for me that is a little much. I’d much rather have a notification pop up on my phone directly from TDBankUS . The lack of this feature is what kept me from giving a 5 star rating. I love working with this bank and really hope this is something they’re are working towards.

The mobile app was easy and convenient. Transferred across accounts whenever I needed and checked statements. Only problem I ever had was the mobile checking deposit was finicky about the lighting for the picture of the check (natural lighting worked best). Lately it's been requiring that I update TDBankUS in order to use it. Usually I avoided the update until today. I accepted the update and now it won't load at all. I'm going to restart my phone and see if that helps but if not well that is really unfortunate. I do like Td as a bank overall, just this update issue with TDBankUS is not the most convenient. Would've given 4 stars prior. If it doesn't end up working at all, 1 star it is.
Edit: I restarted my phone and it works again. Haven't tried the mobile check deposit since the new update.

My girlfriend and I went today to TD bank a little last minute. They close at 5 today and we went around 4:25 and even though they close soon they still put in so much time and effort and stayed after hours for us just to set up a checking account! We had a sweet lady named Stephanie, if you get her when you come in trust me when I say you’ll have a great experience especially if you’re a new member! She is so sweet, kind and patient. She walked me through absolutely everything and went beyond by giving my girlfriend and I a “refer a friend” piece of paper which we both get $50 if we agree to the terms!! I mean seriously the BEST experience we’ve had. Not to mention before we came in we were upset about our other bank that we have and wanted something different that was gonna help us now and our near future. Besides the point, amazing first impression and experience I am so excited to continue with this bank! Thank you so much Stephanie and all the other workers there as they are so kind!!🌸❤️

TD bank I hear is the most reliable bank and most trusted I opened this bank account to save funds and have my direct deposit sent here from work I love TD bank so far everything is accessible in the TD mobile app I also love the zelle features I hope TD is the right choice I made in banking and I love every aspect and features that the bank has to offer and I also like that If your card is damage you can go to the bank and they print out a brand new card the bankers are very respectful and take care of your urgent matters I also like that the customers service representative are helpful with every banking transaction or questions you may have for them I’m happy to be apart of the TD family

TDBankUS is in constant use for me, I’d be lost without it at this point. It’s always worked perfectly. I absolutely love and appreciate the ASAP call feature. There doesn’t seem to be much difference between this version and the old version, but it’s still working great. There are glitches on TDBankUS and across TD since the updates, however I know TD will get them all worked out, so patience is all we need to have and taking the time to ask for supervisors to say thank you for the reps above and beyond help if you have to call them. I do that all the time. Every call, a rep gets a thank you directly to a supervisor because they deserve more gratitude and patience over angry calls. Top notch, exceptional company, online banking and people. No I don’t work for them. I’m a customer who’s been treated like a human being for years by the most wonderful people and I’m sharing my gratitude here also.

Re: Reply to JC. So happy to know the reviews are being seen and hopefully you know how much you’re appreciated. TD has been amazing with me through ‘so’ much. TDBankUS is perfect. Thank you greatly for your reply, JC. Wish I could express all the why’s for my comments about and apart from TDBankUS . Both are exceptional!! Best to you :)

I wanted to take the time to thank and praise a T.D. Employee!!! As this Pandemic has/had many people struggling in a variety of ways, One would hope to have good people try to help them thru whatever issues they may have. Unfortunately, I’ve been in constant contact with many businesses or companies I work with. Many credit card companies, The company we lease our vehicles with for example. In short, Their customer service has been flat out horrendous!!! Rude, incompetent, deceiving. So when I worked with Curt from a New Jersey branch today, He couldn’t have been better!!! He was Friendly, helpful, handled my issue swiftly and professionally. If every company had people as great as Curt, We’d get thru this difficult time a lot easier!!! He was the Best.

I have have online baking, and I have been the TD Bank application for at least three years now and I must say it’s one of the best application for banking. It’s convenient, easy to use, it has a nice user interface, and most importantly I feel comfortable using it. Even when I lost my TD Bank Debit Card, I was able to send a secure message quickly through TDBankUS , call on the phone, and I had a replacement card sent to my home within the next three days.

The option for biometric passcode makes it very personal, and paired with two-step authentication, I feel it’s one of the safest banking systems I’ll ever have.

There are a few things I would add, like the choice to have a “main” or “standard” TD Bank set, so that you can look up just the information of the closest TD Bank to you, but as I rate the application itself very highly as I have not had a problem with it at all.

We are currently living outside of N.J., where we had been TD Bank customers for about 15 years. When we got to our new city & home(although there is a different bank on every corner, and this city is known for banking- to our great disappointment -there is no TD Bank here), after much searching, we just couldn’t find a bank that even came close to TD Bank in financial capability, customer service and personal kindness. Our experience with TD Bank in N.J. was wonderful- we knew all of the tellers and managers, and they knew us. They not only knew us, they cared. We decided, even though we thought it would be difficult, to bank long distance. Difficult couldn’t be farther from the truth. TD Banks AMAZING team of customer service reps have made it not only easy, but an absolute pleasure!
We have never dealt with a rep that didn’t go above and beyond - they are always knowledgeable, friendly & kind...that, is the reason we are and will stay, loyal TD Bank customers.

You can really tell TD is working hard behind the scenes. I’ve seen so many things addressed within the past year that I’ve loved. Bill Pay is truly amazing, credit cards being added to Accounts is a huge plus. The only issues I see (and maybe this is me being a detail oriented person) is the slide out menu. Do they not notice the icons are not all the same size/style. I wish they would add some color to them too. Also, I wish I could create buttons on the home page (or at least choose) which buttons show on my homepage. Then I could get where I am going quicker. I also am not fond of pages that clearly look like they are being loaded from a webpage. They take forever to load.

I can tell someone over there is taking note of what the customers want, and I’m very thankful for all the time and effort TD is putting forward. TDBankUS is truly the jack-knife of Banking apps. I’m really looking forward to what TD does next!

Denise that works in the drive Thur she is great she is super nice it is always a pleasure to pull up and see her anytime I have a question she takes the time to answer she told me about the photos of my check to go directly into my personal account and she said it works as if you went through the drive-through she said it’s not that I don’t want to see you she said because I always wanna see you but this would help I’m busy days she is awesome and I don’t think you could ever find another one just like her do you need she’s a keeper and someone that you really need to give her a nice thank you for all she does and maybe even give her a nice bonus which I probably figures she gets she’s been with you for so long thank you for taking the time to listen to me and just tell Denise she is doing the Great job and an awesome job that no body could do it as good as her. Thank you for all she does From Elizabeth and Ronnie Yates and also From Ronnie Yates Cleaning.

Before I opened my TD Bank account, I used Simple. I have to say, for an online bank, Simple’s app had a lot more features and was much more user friendly than TD which has more resources to put into designing a nice app. Simple’s app also offered a widget which was very convenient as you could quickly check your balance at anytime. Also, there were notifications so I would immediately see whenever my debit card was used or when payments where posted to my checking account. TD offers notifications, but only for debit card transactions, not transactions done using your account and routing numbers. These are all features that any banking app should offer, and I don’t understand why TD hasn’t implemented them. I haven’t even gotten to any of Simple’s budgeting features. TD needs to put some money into overhauling their app to bring it up to modern standards.

I’ve been using TDBankUS on my own iPhone 6 & 8 for a few years. Mostly for mobile deposits but also to track accounts, do transfers. Very few issues, except occasionally when the TD site is down. Overall, it’s a fine app, but I knocked off a star for an issue that I reported to TD and now am posting here.

With all the mobile security issues out there, I decided to install a VPN app on my phone, as well as my wife’s. It’s a free app called Phone Guardian and was very pleased with its performance until I tried to access my checking account. It appeared that the TD app wasn’t working, returning an error message stating “we’re working on their problem”. Having experienced a glitch or 2 before, I wasn’t terribly concerned, figuring the problem would be rectified shortly.

After about a week with the same issue, I thought to turn off the VPN in settings … TD still didn’t work. I called my local branch and the TD main CS number, but no issue had been reported. At that point, I decided to delete the VPN app, and when I did, the TD app started working again!

I don’t know if there’s a conflict with any other VPN app, but I can state that it won’t work with Phone Guardian. I’ve sent a secure message to TDCS… let’s see if there’s a fix!

TD seems to have fixed a lot of frustrating things about their online app. For example, I used to get locked out of my account quite frequently, even after answering the security questions properly. I would then have to waste a lot of time calling them on the phone. Then they would ask me questions about the date and how much was my last transaction, and I could not answer the questions because I was unable to get access to my back account. But that seems to have been resolved.
The one thing that still happens on TDBankUS is I am sometimes unable to add a new company for online bill pay, and I have to go on my computer and do it with no problem.
They have added things like wire transfers which is very convenient.

I have been a very happy TD Bank customer, it’s very convenient that they are open seven days a week!!
The only thing that I don’t especially like is that there are not many branches or TD ATM’s that are close to my house, so if I need cash I typically have to resort using an ATM that is not TD. So, between fees taken from that ATM and fees from TD, it costs me $7.00 just to make a withdrawal. That’s just too much money for ATM use...
Otherwise all else is great, the customer service is REALLY great, every employee I’ve spoken to in passing or has completed a transaction for me has been so kind and compassionate to what is going on in my life...when they ask “How are you?” They aren’t looking for an artificial ‘ok’, they legitimately want to try to brighten your day if it’s not going well!!

I would like to take the time to compliment your staff at your Hazlet Nj location. Bethany ( I think I have the spelling correct!🤗) in the office is always there to help me and I know she always hS a ton of work to do but she always manages to be able to slide things to the side the side and help me with what ever “crisis” I think I’m! She always makes me feel at ease and send me on my my way without a worry or concern. I am handicapped and she can tell if I am having a tough day and helps me quickly, with great guidance, suggestions with what will help me best. She also has the ability to help me w/ the online system with great experience and has NEVER told me to call another area of the td bank organization especially the 1 -800 #. She always helps me from start to finish. She has even personally contacted me to touch base about something we were working on. Thank you for hiring such a great caliber of people😊! It is only one of the things that sets TD bank so far above the the rest in the banking industry .