The service is terrible. They do not have enough staff to handle the customers. On several occasions I had to leave the bank after waiting nearly 20 minutes to access my safe deposit box. On one visit, after accessing my safe deposit box I stood waiting, box in hand, to replace it in the vault, nearly 10 minutes with at least 4 customers waiting to be helped. If one is lucky enough to get to the cashiers in a timely manner, the cashiers are usually very helpful. Before I moved to this area, I used the TD bank in Bernardsville. It was wonderful!! I actually enjoyed going in to that branch. People were friendly and the line moved quickly. When needed, the manager jumped in quickly. read more

I'm going to start with a rudimentary explanation of banks and how they make money. In its simplest form, banks take people's money, pay relatively low interest rates and loan that money to other people at much higher interest rates. I've been banking with TD since they were Commerce Bank and over those years I have generally kept well over 6 figures in my combined checking/retirement accounts. Recently I needed to borrow some money for a couple of months since I'm moving into a new house and I won't have my equity from my existing house for about 60 days. The amount I needed to borrow was less than 10% of what I currently had in their bank so in reality, I was borrowing my own money and paying them back with interest. Seemed easy enough. I went in and with the help of one of their managers, I filled out an application. I also gave them one of my W2s from last year that showed paying back the loan would require a tiny percentage of my actual income. Again, low debt to income should mean an easy and quick approval. Fast forward 2 weeks and I hadn't heard anything but I figured I would relatively soon. I went into the Livingston branch to make a deposit and the gentleman who took my application was working the teller counter. It was there that he informed me I had been declined. No email, no phone call, nothing. Straight decline. When I called their main office to inquire, I was told that my bank rep Bruce had filled out my application saying that I had no income and no employment, difficult to imagine when he had a W2 dated a week earlier. I'm in finance and insurance. All of our applications are taken meticulously and without error. In banking there's no margin for even the slightest mistake. Clearly that's not something TD adheres to. Their loan processing and decision making is amateurish at best and perhaps even fraudulent. To date, I've received nothing in writing explaining why I was declined, nor has anyone in a supervisory position reached out to me to explain what the hell happened. In response, I've pulled over $100,000 from my accounts there and will continue to do so until I've depleted every cent and moved it to a bank that actually values my business with employees who know what the hell they're doing. EPIC FAILURE. read more

AVOID THIS PLACE! Please believe me when I say that you'll waste so much of your precious time because you'll eventually want to switch banks but the additional time and effort will make you wait for months or years, just prolonging the pain. I was an account holder when this was Commerce Bank and it was great back then. But, when TD bank took it over, the bank manager just totally ruined this place. I gave it so many chances because of its convenient location but so many annoying issues over and over again. What do you think should happen when you deposit a check but the teller accidentally deposits it into the wrong account? Well, after repeated calls to get it reversed, nothing gets done. And, then, they demand that you come in person and resolve the issue. Then, finding out, you're charged fees for it and then you having to go through hurdles to get them removed. You would think the manager would apologize but the entire time, she made it seem like it's your fault! After a while, you finally realize that all their problems probably stem from their main manager. She must hire the most incompetent and uncaring people. Some are really nice but you find out that half of them are only nice on the outside. If anything takes a little bit effort, you see their true side. Finally, they are always trying to nickel-and-dime you. It really irks me due to the principle of it. read more

It was a pleasure going to this TD. I had Joe help me with fraudulent issues and he was AMAZING. He was kind, friendly and helpful, and fixed my issue. A great experience and a big thank you to Joe, he is the best!! :) read more

Extraordinarily poor experience at this branch. Six months into opening my account I'm told by TD Customer Service I'm not authorized to speak about my own funds, and when they called this branch to request a copy be sent, ALL of the paperwork related to the opening of my account "can't be found". On top of that the old manager is apparently gone. Y'know, the one I'm told handled my account. read more

I really loved TD Bank. When I started with them four years ago after an awful experience with Wells Fargo, we were very happy and rarely had any issues, if any. I loved the customer service, the ease of a notary, and that you could get bank gift cards here without a surcharge. Recently though, we had a terrible experience that led us to have to leave the bank that I feel warranted a review. Over $8,000 was fraudulently taken from my high-yield banking account. This was an account we didn't have linked to any online services or credit/debit cards. I was irate - I can't buy a couch with my debit card without being called to verify, but someone can fraudulently deduct multiple payments over a handful of days and no one notices? I had to go to the branch to close my accounts and make the necessary changes to get an investigation going, get my money back and get my finances in order. I had the most difficult time dealing with Ieva, the bank's assistant manager. We usually worked with the branch manager, but she was on vacation. Ieva messed up a lot of things and we ended up having to work with the district manager, who was zero to no help. We were told that this happens, and that we were one of a billion accounts TD had. We were told it would take 2 weeks to get our money back and there was nothing they could do. They told us the fraud was done on my husband's online account because he was on an unsecured network, only to later be told that this was actually untrue. Turns out, they didn't know how the money was stolen but told us to file a report with the police to find out. That was wrong too - the police only do a report to help you get the bank to start getting your money back. So we jumped through hoops, changing accounts, filling out reports and still had to wait two weeks to get the money back in our account. No one called to tell us the money was returned. When we closed our accounts, they actually had to wait a day for payments to clear and assured us that they would close them and then conveniently forgot to close them over 10 days later. Seriously, the whole thing was a shit show. We went from these happy TD customers who never had an issue to our money being stolen, no one helping us, no one answering emails, no one closing accounts or following up. It was insane what a 360 this bank did on us. The branch manager eventually helped handled things. She said in the end, she should have jumped in on the case when it came to her attention upon return of her vacation but that she didn't want to "clean up the mess" of her colleagues. I'm a loyal customer of your bank, clean it up for me, not them. She admitted the mistakes and handling of the bank and its team which I appreciated but only after I dealt with the situation for over 6 weeks, trying to get answers and close accounts. If this incident didn't happen, we still would have been banking here. read more