Let me start by saying that this is not a branch specific review but a review of TD Bank and its policies.
1st - My daughter needed a "bank check" and since I have been banking with TD for, I can't even remember how long, I brought her to the bank to get one. We were not able to get a bank check with both our names on it through my account because her account was with a different bank. The funds were coming out of my account, we just needed her name on the bank check as well as mine. Could not be done. They would not do it because we would both have to have a TD Bank account, even though it was my money behind the check.
2nd - On our way home to a telehealth appointment that my wife couldn't be late for, we decided we had just enough time to stop and make a quick cash deposit into our checking account. There was only one car in front of us at the drive-thru and they pulled out within a minute of us pulling behind them in line.
A SIMPLE CASH DEPOSIT is no longer a thing, apparently!
12 minutes later we finally had our deposit receipt and could be on our way.
It seems that in order to deposit cash into your own checking account on a deposit slip from your own book of checks you must first jump through a couple of hoops. Upon taking your deposit slip they must first text you on the phone number they have on file for the account. You must respond by clicking on the link provided and then proceed to enter the pin number for your debit card. Our delay I'm sure was because the teller was busy doing things in between these additional steps we were forced to do.
This would all be quick enough but is this really necessary to deposit cash into your own account. It is claimed to be for security purposes but I cannot think of a reason someone would deposit money into my account that I would want to stop them.
We managed to barely make it home in time for my wife's appointment but certainly didn't need the additional stress of sitting at the bank for 12 minutes to perform a task that should have taken no more than 3 minutes.
I believe that I will be looking for a new bank, preferably one without extraneous rules put in place to make you feel like they actually care. read more